topic Re: What Now in Credit Cards

What Now

Anonymous — Wed, 27 Mar 2013 16:31:24 GMT

I'm about to hit one year with my Discover card and I'm looking too add two or three more cards if possible.

Credit File:

Discover 750 Limit - One Year History

Student Loans - Good standing

Inq

TU - 4 (2 are student loan apps)

EQ - 0

EX - 1

Scores are all around 710-720 FAKO on discovers website.

Interested in:

Chase Freedom

Citi Forward Student

Amazon

Recommendations/Odds? Also is it better to apply with 0% Utilization or 1-9%?

Re: What Now

Anonymous — Wed, 27 Mar 2013 16:34:51 GMT

I wouldnt hit Chase due to the limited cr history

Amazon good to go

Citi is good to go

GECRB is your best choice since they give cli on the sky

Good luck

Re: What Now

Anonymous — Wed, 27 Mar 2013 18:18:18 GMT

A small balance (1-9%) is ideal to show usage but not dependency.

IMO you would be okay for all of them; albeit, Chase Freedom may have a small initial limit. Depends on your reported income.

Also, try to app for them at the same time so the inquiries and accounts age together.

Re: What Now

myjourney — Wed, 27 Mar 2013 19:06:04 GMT

@Anonymous wrote:
I'm about to hit one year with my Discover card and I'm looking too add two or three more cards if possible.

Credit File:
Discover 750 Limit - One Year History
Student Loans - Good standing

Inq
TU - 4 (2 are student loan apps)
EQ - 0
EX - 1

Scores are all around 710-720 FAKO on discovers website.

Interested in:
Chase Freedom Likes to see one year TL which you have with Discovery however only 1 CC they may want to see more TL's 65/35% chance
Citi Forward Student Very good chance of approval
Amazon Good chance of approval

Recommendations/Odds? Also is it better to apply with 0% Utilization or 1-9%? 0-9%

Re: What Now

zerobacan — Wed, 27 Mar 2013 19:09:54 GMT

1-9% 0% is a no no

Re: What Now

Anonymous — Wed, 27 Mar 2013 19:22:51 GMT

Thank You

Any other cards that may be within my realm?

Re: What Now

Anonymous — Wed, 27 Mar 2013 20:39:34 GMT

US Bank College Visa

https://www.usbank.com/credit-cards/college.html

Re: What Now

LS2982 — Wed, 27 Mar 2013 20:48:11 GMT

@Anonymous wrote:
I'm about to hit one year with my Discover card and I'm looking too add two or three more cards if possible.

Credit File:
Discover 750 Limit - One Year History
Student Loans - Good standing

Inq
TU - 4 (2 are student loan apps)
EQ - 0
EX - 1

Scores are all around 710-720 FAKO on discovers website.

Interested in:
Chase Freedom Good Chance
Citi Forward Student Good Chance
Amazon Very Good Chance

Recommendations/Odds? Also is it better to apply with 0% Utilization or 1-9%?

Id app in that same order too.

Re: What Now

Anonymous — Wed, 27 Mar 2013 20:59:54 GMT

Crap1 Journey Card

http://www.capitalone.com/credit-cards/journey-student/

Re: What Now

Anonymous — Thu, 28 Mar 2013 18:40:54 GMT

Outside of discover and citi the others don't seem to offer much incentive for student cards. Thanks for reccomendations

Re: What Now

Anonymous — Thu, 28 Mar 2013 18:52:48 GMT

OP are you looking at the Amazon store card or Chase Amazon card?

Re: What Now

Anonymous — Fri, 29 Mar 2013 16:29:11 GMT

Store card. I want the finance options