topic Re: Time for a new card, help me choose? in Credit Cards

Time for a new card, help me choose?

Anonymous — Mon, 09 Jan 2012 22:15:43 GMT

So I closed last month on my first house, and am now thinking about popping out of the garden for a new cc.

I'd like something with a intro 0% APR for at least 6mo, preferably 12mo, for some furniture shopping.

Current cards are Discover More $5500 and Nationwide Visa $7500, and I'd like something to match or beat those limits. Also if I can find a TU or EX puller that would be preferable due to my lower EQ score.

Any ideas on what I should go for?

Re: Time for a new card, help me choose?

Anonymous — Mon, 09 Jan 2012 22:18:26 GMT

I think citibank has a 0% offer

Re: Time for a new card, help me choose?

Anonymous — Mon, 09 Jan 2012 22:30:23 GMT

For what its worth, with the same EQ score, I got approved for Penfed Platinum Visa 6500, Auto Loan 40K 2.49 Penfed, Lowes Store Card 5000 and Capital one Cash World Mastercard 7500. Capital one pull all three and Penfed pulled EQ. By the way, I closed on a home last month alos

Re: Time for a new card, help me choose?

LS2982 — Mon, 09 Jan 2012 22:32:49 GMT

@Anonymous wrote:
For what its worth, with the same EQ score, I got approved for Penfed Platinum Visa 6500, Auto Loan 40K 2.49 Penfed, Lowes Store Card 5000 and Capital one Cash World Mastercard 7500. Capital one pull all three and Penfed pulled EQ. By the way, I closed on a home last month alos

Very nice set of cards!!

Re: Time for a new card, help me choose?

quest208 — Mon, 09 Jan 2012 22:35:30 GMT

is the mortage showing up on your credit report?

not sure what your income is, but might want to consider applying now before mortgage shows up, (if the mortgage takes a big chunk of your income)

usaa and credit unions may show you some love to match those credit limits you already have

the only problem with usaa is you wont get 0% and your apr may be stupid high, but they have nice CL. maybe look at other credit unions that you may qualify that will give you 0%

Re: Time for a new card, help me choose?

Anonymous — Mon, 09 Jan 2012 22:52:54 GMT

My mortgage isn't reporting yet, which is why I want to get something now just in case it lowers my scores. I am thinking more big bank card than CU, since most don't offer 0% intro APR's.

Re: Time for a new card, help me choose?

Anonymous — Mon, 09 Jan 2012 23:33:54 GMT

Ok made my decision, went w/US Bank Platinum - approved $8500 with into 0% APR for 12 months. Back into the garden...

Re: Time for a new card, help me choose?

Creditaddict — Mon, 09 Jan 2012 23:54:37 GMT

@Anonymous wrote:
Ok made my decision, went w/US Bank Platinum - approved $8500 with into 0% APR for 12 months. Back into the garden...

Sure you don't want Lowes or Home Depot?!

Re: Time for a new card, help me choose?

Anonymous — Tue, 10 Jan 2012 00:00:37 GMT

Lol addict, don't be a bad influence!!!

It's new construction, so hopefully I won't be needing either of those stores for awhile...

Re: Time for a new card, help me choose?

Anonymous — Tue, 10 Jan 2012 00:04:06 GMT

i just got my new sallie mae card today 5% cashback spend 500 in 3 months get 100 cash back and 13.99 intrest rate

Re: Time for a new card, help me choose?

LS2982 — Tue, 10 Jan 2012 00:06:36 GMT

@Anonymous wrote:
Ok made my decision, went w/US Bank Platinum - approved $8500 with into 0% APR for 12 months. Back into the garden...

Congrats!!! Nice CL and 0% is unbeatable!