topic Re: I need a Visa or master Card in Credit Cards

I need a Visa or master Card

Anonymous — Sun, 02 Jun 2013 00:11:49 GMT

Hello all. This froum is great and you guys are a huge help. So heres my situaltion. I receanly applied for an Amex Gold after I got an invite in the mail. I applied and was instantly approved 2-2013. I really wanted the PRG,I didnt know the differece then, but appiled for the PRG and was approved in 3-2013. Then canceled the gregular gold. I applied for the costo amex and was approed in 4-2013. I was really supprised they gave me a revolver. I never thought I would ever get an amex, I thought it was only for Rich people. But now I have 3 hard puls on my EX report. I have one Unpaid medical collection from 2008 less than 20. AAoA about 5 years with the new cards. My only revolver is a Discover it card that is almost 2 years old. I got a SP incase on that finally. I was eyeing the Chase freedom to get in with them, and citi has sent me a few pre approvals in the mail, should I just wait to apply? What are my chances with maybe chase or Citi?

Re: I need a Visa or master Card

FocusedAndDetermined — Sun, 02 Jun 2013 00:16:36 GMT

On the surface, since you have been approved by AMEX , you would seem to be in good position for the Freedom. Do you know your scores?

Re: I need a Visa or master Card

myjourney — Sun, 02 Jun 2013 00:28:37 GMT

Welcome to the forum

If scores are good IMO freedom would be a good choice However you need to know how many INQ's as a result of the Amex app's because chase can be INQ sensitive at times and Amex does pull more than 1 CB sometimes on first app

Re: I need a Visa or master Card

jamesdwi — Sun, 02 Jun 2013 01:07:39 GMT

you may want to think about APing for a prime card that doesn't usually pull EX for best results and better starting limit, don't want all the INQ's freak out the lender.

Re: I need a Visa or master Card

kimmiller112 — Sun, 02 Jun 2013 02:57:45 GMT

Barclays pull TU and they have some travel and cash back cards, so that could be a possibility for you. Then you can garden, let some of those other inquiries age and maybe go for Freedom.

Re: I need a Visa or master Card

boomhower — Sun, 02 Jun 2013 03:57:25 GMT

@kimmiller112 wrote:
Barclays pull TU and they have some travel and cash back cards, so that could be a possibility for you. Then you can garden, let some of those other inquiries age and maybe go for Freedom.

Sallie Mae is a good pick from them. 5% at amazon and grocery.

Re: I need a Visa or master Card

Anonymous — Sun, 02 Jun 2013 09:00:29 GMT

@Anonymous wrote:
Hello all. This froum is great and you guys are a huge help. So heres my situaltion. I receanly applied for an Amex Gold after I got an invite in the mail. I applied and was instantly approved 2-2013. I really wanted the PRG,I didnt know the differece then, but appiled for the PRG and was approved in 3-2013. Then canceled the gregular gold. I applied for the costo amex and was approed in 4-2013. I was really supprised they gave me a revolver. I never thought I would ever get an amex, I thought it was only for Rich people. But now I have 3 hard puls on my EX report. I have one Unpaid medical collection from 2008 less than 20. AAoA about 5 years with the new cards. My only revolver is a Discover it card that is almost 2 years old. I got a SP incase on that finally. I was eyeing the Chase freedom to get in with them, and citi has sent me a few pre approvals in the mail, should I just wait to apply? What are my chances with maybe chase or Citi?

I like the idea of the Freedom! Great card! I got instantly approved last month. They pulled my Experian and my Transunion. I had 3 inquiries on Experian, one recently from AMEX, 0 on Transunion. I suggest you try their pre-qualification if you really want and if youre pre-qualified, go for it. I think you'd have a good shot and if not, i gather that Chase is very recon friendly. Good Luck!