topic What card should i apply for? in Credit Cards

What card should i apply for?

Anonymous — Mon, 19 Aug 2013 08:05:10 GMT

My EQ FICO: 748

UTIL: 2%

Cards: 5

TOTAL LIMIT: 17000

AAOA: 2 years

OLDest: 5 years

Inquiries: 3 from mortage 3 months apart

Trans : 75

EXP : 743

I'm closing on mortgage on 8/30th, and on the 31st I'd like to go on an app spree.. wanting your advice on what i should apply for.

Thanks.

Re: What card should i apply for?

wHiTeSoL — Mon, 19 Aug 2013 08:47:16 GMT

Which cards do you have already, and what are you goals?

Re: What card should i apply for?

09Lexie — Mon, 19 Aug 2013 17:40:27 GMT

Welcome to the forum! Congratulations on your pending closing.

As wHiteSoL mentioned, what cards do you currently have? What types of cards are you looking for? I would assume cashback, home improvement but that might not be accurate.

Re: What card should i apply for?

Anonymous — Mon, 19 Aug 2013 20:13:09 GMT

If you don't have it already AMEX BCE. IMO

Re: What card should i apply for?

Anonymous — Mon, 19 Aug 2013 20:33:36 GMT

I have

Discover - 11350

BOA - 1000

CapitalONe - 750

Zales/Citi - 4200

CapOne - 2000 (authorized user)

These are the only ones i have. Goal is to get a higher limit card, so that i can buy furnitures and tiles and things of that sort. I want to do multiple inquiries in the same day so that one hits EQ and other ones hit EXP and TU respectively.

Thanks in advance

Re: What card should i apply for?

09Lexie — Mon, 19 Aug 2013 20:42:30 GMT

When is the last time you got a CLI from BoA? I'd app for Lowes -s/b TU for home improvement.

Re: What card should i apply for?

Anonymous — Mon, 19 Aug 2013 20:45:37 GMT

AMEX usually hits Experian.

Re: What card should i apply for?

Anonymous — Mon, 19 Aug 2013 20:46:27 GMT

@Anonymous wrote:
If you don't have it already AMEX BCE. IMO

Why? Might not fit the spending patterns. And, ALWAYS, go for the BCP over BCE.

Re: What card should i apply for?

Anonymous — Mon, 19 Aug 2013 20:50:29 GMT

@Anonymous wrote:
@Anonymous wrote:
If you don't have it already AMEX BCE. IMO
Why? Might not fit the spending patterns. And, ALWAYS, go for the BCP over BCE.

I said IMO. Why? Because some of us just don't care for paying a yearly fee.

Re: What card should i apply for?

Jungook — Mon, 19 Aug 2013 20:53:06 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If you don't have it already AMEX BCE. IMO
Why? Might not fit the spending patterns. And, ALWAYS, go for the BCP over BCE.
I said IMO. Why? Because some of us just don't care for paying a yearly fee.

Agreed, it does make sense that the BCP > BCE but it requires you to spend more and though you're getting more cash back, your net spending can be far greater than without it.

Re: What card should i apply for?

Jungook — Mon, 19 Aug 2013 20:55:22 GMT

The OP could start looking at some cashback cards like the BCE, Freedom, IT or maybe some travel/points such as the CSP, PRG, and more acronyms.

Re: What card should i apply for?

Themanwhocan — Tue, 20 Aug 2013 02:05:12 GMT

I would suggest trying to get a US Bank Cash+. If there isn't a local US Bank near you, the apply for the platinum. You can PC it to the Cash+ at a later time. I had a 732 when I applied, and I recall someone else applied with a 730, and we each got the same limit of $8,500 so since your scores are a bit higher I would guestimate you would receive at least that much. Cash+ has a 5% selectable category for Furniture stores. There is also a Department stores category. But, 5% is limited to $2000 spending per quarter. I had no problem applying for a second US Bank card 2 months later.

You should also get an American Express card, the credit limit increases fairly rapidly. Whichever one fits your needs the best, as everyone is different.

And yes, probably a store card for Lowes if you plan to buy your home improvement supplies from there.

Re: What card should i apply for?

Anonymous — Tue, 20 Aug 2013 03:06:07 GMT

1. Definitely AMEX Blue Cash - Experian

2. Citi Simplicity ? - Equifax

3. US Bank Cash+ Platinum - what CB does it hit?

I am looking for another card that might hit Transunion.

Any ideas?

Re: What card should i apply for?

myjourney — Tue, 20 Aug 2013 03:07:53 GMT

Barclay

Re: What card should i apply for?

09Lexie — Tue, 20 Aug 2013 03:14:18 GMT

Barclays usually pulls TU. depending on your state Citi has pulled Exp. Discover pulls EQ/TU

Edit: typo

Re: What card should i apply for?

Luscher — Tue, 20 Aug 2013 03:12:07 GMT

Chase Freedom

Re: What card should i apply for?

Anonymous — Tue, 20 Aug 2013 06:33:58 GMT

which CB did Chase Freedom hit?

Re: What card should i apply for?

Luscher — Tue, 20 Aug 2013 06:46:53 GMT

i think it was expirian and transunion for me

Re: What card should i apply for?

09Lexie — Tue, 20 Aug 2013 07:06:31 GMT

Chase primarily pulls Ex but will pull additional bureaus if you are borderline.

Re: What card should i apply for?

jjeckel — Tue, 20 Aug 2013 12:11:32 GMT

Chase pulled TU for me.