topic Re: USAA EX FAKO 763, one approval today. What else to go for? in Credit Cards

USAA EX FAKO 763, one approval today. What else to go for?

Anonymous — Fri, 26 Apr 2013 16:39:07 GMT

My EX report is finally CLEAN, other than some 30 day lates that are 2 years 10 months and older.

I apped for (and got!) AmEx BCP today. Yahoo!

Are there any other cards I should be adding to my lineup ASAP? I have a CIti black diamond whatever with $8,000 limit (and about 2.5% util at the moment). I really don't want to ask them for CLI - I'd prefer to diversify into cards that actually do something for me and add another positive TL as I continue to work on cleaning up EQ and TU.

I now have 2 recent inquiries on EX (and another from 18 months ago). AAoA is 12 years. Great income. Would be good to have another card that reports AUs. And I don't have a need to apply for anything else until my car lease is up in 18 months.

Thoughts?

Thank you in advance!

Re: USAA EX FAKO 763, one approval today. What else to go for?

Anonymous — Fri, 26 Apr 2013 18:04:22 GMT

A little more info: AmEx matched my other $8,000 credit limit. Is time of the essence to grab another card before that credit limit shows up on my reports? Any insights appreciated.

Re: USAA EX FAKO 763, one approval today. What else to go for?

09Lexie — Fri, 26 Apr 2013 18:06:24 GMT

Congrats on your approval! I'm a little confused by your last sentence. Do you need a car now or in 18 mos?

Edit: just saw your second post. Without more information like, what you are looking for in a cc other than its ability to reports AUs- it would be hard to suggest cc's

Re: USAA EX FAKO 763, one approval today. What else to go for?

Anonymous — Fri, 26 Apr 2013 18:19:37 GMT

Thanks 09Lexie. In addition to AU reporting:

Cash back would be a great feature in another card.
Interest rates are not important as I PIF.
Travel rewards are not particularly compelling for me.

Obtaining higher credit and building another positive TL on EQ and TU would be the main reasons for adding another card.

Re: USAA EX FAKO 763, one approval today. What else to go for?

dodfire — Fri, 26 Apr 2013 18:22:09 GMT

Discover???

@Anonymous wrote:
Thanks 09Lexie. In addition to AU reporting:
Cash back would be a great feature in another card.
Interest rates are not important as I PIF.
Travel rewards are not particularly compelling for me.
Obtaining higher credit and building another positive TL on EQ and TU would be the main reasons for adding another card.

Re: USAA EX FAKO 763, one approval today. What else to go for?

09Lexie — Fri, 26 Apr 2013 18:22:55 GMT

Since you specifically mention EQ and TU that leaves Chase out ( they usually pull EX) . Discover It, Barclays off the top of my head.

Re: USAA EX FAKO 763, one approval today. What else to go for?

Anonymous — Fri, 26 Apr 2013 18:24:34 GMT

EX is my clean report at the moment, at 763 USAA FAKO as of this morning. EQ is 705 with 1 collection and TU is not pretty.

Re: USAA EX FAKO 763, one approval today. What else to go for?

09Lexie — Fri, 26 Apr 2013 18:50:22 GMT

Ok, so why are you trying to pull from those 2?

Re: USAA EX FAKO 763, one approval today. What else to go for?

dodfire — Fri, 26 Apr 2013 18:54:14 GMT

@09Lexie wrote:
Ok, so why are you trying to pull from those 2?

Good question!!!

Re: USAA EX FAKO 763, one approval today. What else to go for?

09Lexie — Fri, 26 Apr 2013 18:58:24 GMT

Most major cc's will report to all 3 bureaus which would help you build your TLs. Apping for a poor bureau will undoubtedly give you poor results.

Re: USAA EX FAKO 763, one approval today. What else to go for?

Anonymous — Fri, 26 Apr 2013 19:18:29 GMT

Maybe I should restate my question.

Question: What other EX-pulling credit cards would MyFico credit card board users recommend I app for? My EX is clean. I would like to add another positive TL to my reports with all 3 CRAs as I work to clean up the negatives on EQ and TU. I would most likely not be approved for a prime card at this point that pulls EQ or TU.

Background: I was approved for BCP this morning. I am guessing that if I want more cards (and I do), I should app soon before AmEx starts reporting a new TL on my account? However, I don't have the expertise that many of you seem to have to know what my ideal timeframe would be to app for another card -- or if it matters.

What I am looking for: Opinions on good cards to add that will pull from EX, include AUs, and opinions on what card benefits / features would round out what I currently have (BCP, Citi black diamond -- which offers virtually no benefits).

Re: USAA EX FAKO 763, one approval today. What else to go for?

09Lexie — Fri, 26 Apr 2013 19:29:26 GMT

Oh, sorry not enough coffee! Chase Freedom. It has a nice cash back/ reward feature ( UR Mall is nice) plus 5% rotating bonus categories. If you traveled I would also recommend their CSP.

Edit: No AF and 15 mo 0% APR

Re: USAA EX FAKO 763, one approval today. What else to go for?

Anonymous — Fri, 26 Apr 2013 19:30:08 GMT

Thanks 09Lexie. That looks like the right card for me - and the website shows me as prequalifed! I really appreciate your patience with my request.

Re: USAA EX FAKO 763, one approval today. What else to go for?

09Lexie — Fri, 26 Apr 2013 19:32:52 GMT

Np! Good luck. Chase has the easiest recon also. When you get approved and are not happy with CL you can ask for a recon. It might result in another Hp and no guarantee it will be on the same CB

Re: USAA EX FAKO 763, one approval today. What else to go for?

Anonymous — Fri, 26 Apr 2013 19:39:58 GMT

Aaaaand, approved!

Re: USAA EX FAKO 763, one approval today. What else to go for?

Creditaddict — Fri, 26 Apr 2013 19:44:02 GMT

@Anonymous wrote:
Aaaaand, approved!

How much did they approve for?

I would go over to Citi now and hit the luv button if you have had it a bit and see if you can get a CLI on SP.... then if it's auto, call up and ask to PC into a reward card!

or else hit them up while you are applying and get one of their newer better reward cards, they love giving multiple cards to people.

Re: USAA EX FAKO 763, one approval today. What else to go for?

09Lexie — Fri, 26 Apr 2013 19:57:28 GMT

Congrats!

Re: USAA EX FAKO 763, one approval today. What else to go for?

Anonymous — Fri, 26 Apr 2013 20:07:09 GMT

Approved for $7,000, creditaddict. Wow, wow, wow. I have almost tripled my limits today. I will try for some citi luv...

Re: USAA EX FAKO 763, one approval today. What else to go for?

09Lexie — Fri, 26 Apr 2013 20:10:00 GMT

You will luv your Freedom cc! Which Citi are you going for? TYP, Simplicity, Dividend?

Re: USAA EX FAKO 763, one approval today. What else to go for?

ezdoesit — Fri, 26 Apr 2013 20:15:10 GMT

Don't forget the 61 day 3x CLI for your Amex BCP. Congrats.