topic Which cc next..... in Credit Cards

Which cc next.....

negg — Sat, 23 Mar 2013 23:53:18 GMT

Back story. Disc IT $2200(CLI 2/13), BofA $1500(CLI 3/13), Barclay $1200(no CLI since opened 4/12), GE bank $1500, Cap 1 $300(no CLI since opened 4-11), local bank $750(denied CLI 11-12).
Opened local bank, and cap 1 4-11. Disc and Barclay opened 5-12, and BofA opened 8/12.
4 inq fall off April 30th, leaves me with 3 on my CR.
Fico score as of today 663...dropped 14 points, should go back around 4/13. No charging till may 1st.
UTL 22%

Question are ????
1)should I apply for a chase or another card, OR
2) apply for CLI on Barclay and my local bank. Gotta wait on cap1, as I was an orchard bank member.

Any and all help guindence will be appreicited......mahalo

Re: Which cc next.....

armbenderc — Sun, 24 Mar 2013 01:00:06 GMT

@negg wrote:
Back story. Disc IT $2200(CLI 2/13), BofA $1500(CLI 3/13), Barclay $1200(no CLI since opened 4/12), GE bank $1500, Cap 1 $300(no CLI since opened 4-11), local bank $750(denied CLI 11-12).
Opened local bank, and cap 1 4-11. Disc and Barclay opened 5-12, and BofA opened 8/12.
4 inq fall off April 30th, leaves me with 3 on my CR.
Fico score as of today 663...dropped 14 points, should go back around 4/13. No charging till may 1st.
UTL 22%

Question are ????
1)should I apply for a chase or another card, OR
2) apply for CLI on Barclay and my local bank. Gotta wait on cap1, as I was an orchard bank member.

Any and all help guindence will be appreicited......mahalo

I would go for Chase Freedom and Amex Green. It's totally up to you. Some may also suggested that you hit the garden.

Re: Which cc next.....

boomhower — Sun, 24 Mar 2013 01:22:03 GMT

I'd try for a CLI from the GE card, $5k should be doable. Once your UT is down and your score hits 680 I'd give Chase Freedom a shot.

Re: Which cc next.....

thom02099 — Sun, 24 Mar 2013 01:55:29 GMT

@negg wrote:
Back story. Disc IT $2200(CLI 2/13), BofA $1500(CLI 3/13), Barclay $1200(no CLI since opened 4/12), GE bank $1500, Cap 1 $300(no CLI since opened 4-11), local bank $750(denied CLI 11-12).
Opened local bank, and cap 1 4-11. Disc and Barclay opened 5-12, and BofA opened 8/12.
4 inq fall off April 30th, leaves me with 3 on my CR.
Fico score as of today 663...dropped 14 points, should go back around 4/13. No charging till may 1st.
UTL 22%

Question are ????
1)should I apply for a chase or another card, OR
2) apply for CLI on Barclay and my local bank. Gotta wait on cap1, as I was an orchard bank member.

Any and all help guindence will be appreicited......mahalo

If I were in your shoes, I'd wait until May to do anything. Let those 4 INQ fall off, that will boost your score and look much better once you decide which way to proceed. Also, you have a one year anniversary coming up with the Barclay card. Now, I don't know much about Barclay, not having one of their cards, but in general, having 1 year of steady credit and payments would certainly improve your chances with Barclay. Dunno how they are with auto-CLI, but at one year that also could be a possibility. If nothing else, you'll be in a better position to request a CLI, and even if you're denied (which hopefully you won't be!), you'll be in a much better position to present your case FOR a CLI if you do a recon.