topic Re: Which Credit Card to get? in Credit Cards

Which Credit Card to get?

falcon7xx — Sun, 13 May 2012 13:36:41 GMT

My wife is looking to get a credit card and her score are the following:

Transunion:742

Equifax: 742

The only downside on her reports his her average credit history is short. Only about 5 years. What is a good credit card for her to get.

She currenlty has:

Bank of America Amex rewards: $1,500 limit

Capital One Plat Rewards: $750 limit

I am looking to get her something with a higher limit. I just got the BofA card bumped up from $1000.

Re: Which Credit Card to get?

Anonymous — Sun, 13 May 2012 13:55:39 GMT

As long as she doesnt have any baddies on her CR I would go for any card from Discover but I would try for the one with the 18 month 0% intro APR

Re: Which Credit Card to get?

Anonymous — Sun, 13 May 2012 16:02:04 GMT

I would agree with Discover. I just got the Discover More card with a TU of 710 and average credit line open of 2 years with a 4,000 line of credit. Also the AMEX Sync may be a good option too. But Discover more offers the 5% cash back on different things every 3 months and 1% for every purchase after you spend $3,000 annually.

Re: Which Credit Card to get?

falcon7xx — Sun, 13 May 2012 16:09:44 GMT

What about American Express Blue Card Rewards. I just did a help me find a card on the Amex website and they said she is pre-approved for a blue card rewards or travel card.

Re: Which Credit Card to get?

Anonymous — Sun, 13 May 2012 16:10:12 GMT

That is a solid card. With her score she should get it. Is it the one with the annual fees?

Re: Which Credit Card to get?

falcon7xx — Sun, 13 May 2012 16:12:47 GMT

No annual fee

Re: Which Credit Card to get?

laboi_22 — Sun, 13 May 2012 16:19:54 GMT

This is one of the best cash back cards currently available to those with excellent credit. I would go for it. The preferred card carries a $75 fee but the rewards are amazing. This is the only card without caps and high earning potential. If you spend in those catagories of course. If you spend at least $50 per week at grocery stores, you will pay the $75 off plus more. Can't go wrong there.

Re: Which Credit Card to get?

falcon7xx — Sun, 13 May 2012 16:20:53 GMT

She just applied for the Blue Amex and they said they cannot process in 60 seconds and will email her their decision. Is this a decline? Should we call Amex?

Re: Which Credit Card to get?

Anonymous — Sun, 13 May 2012 16:29:01 GMT

The same thing happened to me when I applied for Chase and Discover. I just called and said I was checking on my app then I was transferred to talk to someone who asked me questions to verify my id. Then I was approved for both!

Re: Which Credit Card to get?

falcon7xx — Sun, 13 May 2012 16:33:42 GMT

She just got the email she was approved! Don't know the CL yet though....

Re: Which Credit Card to get?

Anonymous — Sun, 13 May 2012 16:42:09 GMT

Yay!! Congrats to her! She has a great card! Yeah not knowing the CL drives me nuts I call them because I have to know!! haha

Re: Which Credit Card to get?

falcon7xx — Sun, 13 May 2012 16:58:31 GMT

Probably call tomorrow. Also went for the Discover More card and got approved for that too!

Re: Which Credit Card to get?

falcon7xx — Sun, 13 May 2012 17:18:03 GMT

she got approved for the following:

Amex Blue Cash Rewards: $3000

Discover More: $7,000