topic Re: Which CC should I go for? in Credit Cards

Which CC should I go for?

rollerkosh — Fri, 23 Aug 2013 18:53:27 GMT

FICO score of 740

No missed payment in 7 years

Hard Pulls: 1

Average Age of Accts: 5 years

Credit Ratio: 40%

Derogitory Remarks in my reports: 0

whats my best option. I have never had a good CC before, max good is my own bank and Capital one.

Re: Which CC should I go for?

BearsAndTurtlesRtheBest — Fri, 23 Aug 2013 18:59:34 GMT

Nice file! It all depends on what you spend the most, also do you prefer cashback, rewards, miles etc.

Re: Which CC should I go for?

BearsAndTurtlesRtheBest — Fri, 23 Aug 2013 19:00:09 GMT

Is it the same picture for all 3 CBs?

Re: Which CC should I go for?

Anonymous — Fri, 23 Aug 2013 19:01:09 GMT

Simmons First. Low apr and high limits if approved

Re: Which CC should I go for?

rollerkosh — Fri, 23 Aug 2013 19:03:03 GMT

I don't want anything special in terms of rewards as it is the first time I am attempting to go for a good CC. My basic want is to have a good CL. Any kinds of rewards or benefits are ok with me.

Re: Which CC should I go for?

BearsAndTurtlesRtheBest — Fri, 23 Aug 2013 19:04:36 GMT

FNBO is known for giving great intital CLs.

Re: Which CC should I go for?

Luscher — Fri, 23 Aug 2013 19:13:19 GMT

Chase Freedom

Re: Which CC should I go for?

DigitalArk — Fri, 23 Aug 2013 19:42:55 GMT

If you are qualified to join NFCU (Navy Federal Credit Union) and you are not too concerned about the rewards, then get a cashRewards CC from them. They are known for giving generous CL.

https://www.navyfederal.org/products-services/cards/creditcards/cashrewards.php

Re: Which CC should I go for?

09Lexie — Fri, 23 Aug 2013 19:46:11 GMT

What cc's do you currently have and their limits? I'd also work on getting that util down if you want better terms.

Re: Which CC should I go for?

Anonymous — Fri, 23 Aug 2013 19:50:57 GMT

@rollerkosh wrote:
FICO score of 740
No missed payment in 7 years
Hard Pulls: 1
Average Age of Accts: 5 years
Credit Ratio: 40%
Derogitory Remarks in my reports: 0

whats my best option. I have never had a good CC before, max good is my own bank and Capital one.

Why not go for a top flight card? Everything looks to be in order and I would go for the AMEX BCE which will probably pull Experian. Also, you could go for Discover It. Neither of these charge a fee.

Re: Which CC should I go for?

Anonymous — Fri, 23 Aug 2013 19:53:13 GMT

Cedit ratio? Do you mean credit card utilization?

Re: Which CC should I go for?

Anonymous — Fri, 23 Aug 2013 20:05:12 GMT

Need more details on current cards/limits/balances (if any). Problem is card issuers use current CLs as one of key factors for new CLs unless enough time has passed. Once I see current cards, I'll have better idea how to approach.