topic Re: What should i get? in Credit Cards

What should i get?

GoodCredBen — Thu, 05 Jul 2012 14:01:56 GMT

So, we will close on our home on 7/20.

I wanted to see what card i should app for....

My new scores are: EQ: 626 | TU: 647 | EX: 691

Her new scores are: 697 being the lowest (unsure)

We would like to be able to buy some furniture and what not... Rewards are better...

Currently we each have a cap one card...

Mine is 0$ of 500 limit

Hers is 0$ of 1250 limit.

Neither of us has ever had a late......

I also have a AMEX corp card that i have had for about a year now.....

Any info... Thanks!!!

I am aiming to get the highest credit limit possible so that we dont have to get multiple cards

Thanks for your time!!!

Re: What should i get?

GoodCredBen — Thu, 05 Jul 2012 14:15:45 GMT

BTW - our income together is just about 100K/yr....

Re: What should i get?

LS2982 — Thu, 05 Jul 2012 14:16:20 GMT

-how long have you had the cap1 card?
-how many INQ's and baddies do you have on each bureau?
-what is your AAoA?

Re: What should i get?

GoodCredBen — Thu, 05 Jul 2012 14:25:28 GMT

My AAoA is 2.7 years (rounded to 3 i am assuming)

My cap 1 is just about to hit 1 year, and her is just about to hit 2 years.

I have 3 inq's on each CRA and i have NO non paid collections

Collections

EQ 3

EX 4

TU 6

Re: What should i get?

pizzadude — Thu, 05 Jul 2012 14:29:18 GMT

If your EX FICO is 691, then I'd still lean towards apping for the ZYNC ( assuming that you don't need to revolve a balance ). You can get it backdated which should limit the damage to your AAoA.

Re: What should i get?

Repo-ed — Thu, 05 Jul 2012 14:29:29 GMT

Amex zync!

Re: What should i get?

GoodCredBen — Thu, 05 Jul 2012 14:35:27 GMT

@pizzadude wrote:

If your EX FICO is 691, then I'd still lean towards apping for the ZYNC ( assuming that you don't need to revolve a balance ). You can get it backdated which should limit the damage to your AAoA.

These scores are from Lender Pull excluding the EQ for that score was just updated from score watch

AMEX Zync it is!!!!

Re: What should i get?

webhopper — Thu, 05 Jul 2012 14:46:11 GMT

Zync is a great card. What are the incomes of you and your wife? Amex is income sensitive, so if ya'll are about the same income wise, I would let her go for it and add you as an Additional Cardmember.

Either way, you'll both lock in Member Since dates of 2012 which will help if you ever add more Amex cards.

Re: What should i get?

GoodCredBen — Thu, 05 Jul 2012 14:57:42 GMT

Well hopefully we will be backdated to my corp amex card which is 1 year now....

Our income i believe now is just under 100K

I make about 73K on my own and she makes 20-30K/yr

Re: What should i get?

webhopper — Thu, 05 Jul 2012 15:12:11 GMT

Your EX score is real good as well as your income being highish. If I were you I would app first for the Zync, and then go for a revolver IF you are approved for Zync. Some popular Amex revolvers are Blue Cash Everyday and Blue Cash Preferred. If you travel, there are several airline ones. I plan on apping for Blue in January

Re: What should i get?

GoodCredBen — Wed, 11 Jul 2012 12:54:19 GMT

zomg .... i got an alert through capital one that my EX score has increased.....

i know its not a FICO score, but if it has increased.....

COULD I REALLY BE IN THE 700 CLUB?!?!?!?!

*hopes its not just one point increase* lol

I will wait till i app for that amex after closing..... hehe