topic Credit card recommendation in Credit Cards

Credit card recommendation

Anonymous — Sun, 01 May 2011 12:43:59 GMT

I have a 700 experian score. only own department store credit cards. only current debts are school loans (less than $10,000)

I am considering getting a amex or discover card. I am going to call to see if i can avoid applying then getting rejected but wanted the boards feedback.

which card should i get? would I get approved?

I always pay off my dept card as soon as i get the invoice online. I spend alot in gas, dept, and groceries.

Chase freedom card1

rotating 5% cb // $200 cb after $1500 in 6 mo. https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DD3V&CELL=6H8X&AFFID=lw9MynSeamY-W8l94wwNYGbZXznQXDtC_A&pvid=contestu1277087t0f0fp0dd0c0s65

Discover more card

rotating 5% cb // $50 cb after $250 in 3 mo. http://www.discovercard.com/more/

Discover® Motiva Card

Pays out a months interest if 6 consecutive payments are made twice a year.http://creditshout.com/discover-motiva-card-review/

Chase Freedom Visa2

rotating 5% cb // $150 cb after $500 in 3 mo. https://applynowdc2.chase.com/FlexAppWeb/renderApp.do?SPID=DDC9&CELL=6H8X&CLICK=&CID=&PROMO=DF01&AFFID=6VB_mJFwb_0-7blkBuq8TiLdGOYA4UxszQ&pvid=126775_75092210

Amex Blue Cash Preferrerd

6% cb supermarkets, 3% at gas and dept stores, $75 for referrals,

http://www201.americanexpress.com/getthecard/side-by-side/bluecashever-bluecashpref/37904?PID=1&BUID=CCG&PSKU=BCE&CRTV=BCESBS&EAID=TTebV0zRjlI-Om0vakqGEtEiXCiEBbWLlg

Re: Credit card recommendation

Anonymous — Sun, 01 May 2011 13:14:35 GMT

Let me ask you this first......

You say your EX Score is 700, where did you get that score?

There are only a few places you can get your actual EX FICO score, one of them is a CU in Pennsylvania (PSECU).

We need a little more info as to weather that 700 EX Score is a FICO or a FAKO.

And a little more about what's on your credit reports.....

CC'S

CL's

Length of History

AAoA

Any Baddies etc.......

Re: Credit card recommendation

Anonymous — Sun, 01 May 2011 13:19:22 GMT

freecreditreport.com

I'll will edit post with answer to you question, but i remember cl was $300

Re: Credit card recommendation

Anonymous — Sun, 01 May 2011 13:19:57 GMT

I would have just edited my last post, but in case you are replying I did not want you to miss this....

Do you know what your EQ and TU FICO Scores are? The reason I ask is because not all the CC Companies you listed in your OP do not only pull EX.

It would be helpful to know your other scores as well.

Do you have many inquiries on your reports as well?

Re: Credit card recommendation

Anonymous — Sun, 01 May 2011 13:37:14 GMT

@Anonymous wrote:
freecreditreport.com

I'll will edit post with answer to you question, but i remember cl was $300

FreeCreditReport.com gives you a "Plus" score, thats not a FICO, and can not be compared in any way to a FICO Score, when a lender pulls your report, they use FICO Scores, not Plus Scores.

But like I asked earlier, could you give us a little more info as to how many store cards and any CC's you have, the credit limits on them, the oldest acct. you have, your Average Age of Accounts, any baddies on your reports, how many inquries, your util percentage..... the more info you provide the better we can help you.

Re: Credit card recommendation

JayRizzo — Sun, 01 May 2011 21:29:09 GMT

I don't think we really need to have the member post their entire financials and bloodtype in order to say whether or not they should apply for an American Express credit card -- remember, we're not Financial Analysts nor the AMEX decision makers. IMO, I think the member should start with a MC or VISA before jumping into the deep end of the pool with AMEX. That's all.

Re: Credit card recommendation

Walt_K — Sun, 01 May 2011 21:41:31 GMT

Have you tried the Amex preapproval link?

Re: Credit card recommendation

Anonymous — Mon, 02 May 2011 03:43:49 GMT

@Anonymous wrote:

FreeCreditReport.com gives you a "Plus" score, thats not a FICO, and can not be compared in any way to a FICO Score, when a lender pulls your report, they use FICO Scores, not Plus Scores.

But like I asked earlier, could you give us a little more info as to how many store cards and any CC's you have, the credit limits on them, the oldest acct. you have, your Average Age of Accounts, any baddies on your reports, how many inquries, your util percentage..... the more info you provide the better we can help you.

Sears mastercard - 500.00 // 1 year util = 0 used once

macy's card no CC logo - 300.00 // 2 year util = 0 used often

there are probably 25+ actions on the macys card, i've only made one late payment.

I after the cb benefits of the forementioned cards.

Pre approval:

I don't really see that link anywhere, I 'd like to avoid a hard pull lowering my score.

Re: Credit card recommendation

Walt_K — Mon, 02 May 2011 14:21:13 GMT

@Anonymous wrote:

Pre approval:
I don't really see that link anywhere, I 'd like to avoid a hard pull lowering my score.

They change their site so much, it seems to bounce around. If I go to americanexpress.com and select Cards, then View All Cards, below the listing of all the cards, it says "FIND THE SPECIAL CARD FOR YOU" in all caps in the middle of the screen. Then it says to provide a few pieces of info to see if you're preapproved or something to that effect and there is a button "Get Started Now."

It's not a hard pull.

Re: Credit card recommendation

Anonymous — Mon, 02 May 2011 14:31:18 GMT

@JayRizzo wrote:
I don't think we really need to have the member post their entire financials and bloodtype in order to say whether or not they should apply for an American Express credit card -- remember, we're not Financial Analysts nor the AMEX decision makers. IMO, I think the member should start with a MC or VISA before jumping into the deep end of the pool with AMEX. That's all.