topic Re: Ready for an app spree in Credit Cards

Ready for an app spree

Anonymous — Thu, 05 Sep 2013 22:58:51 GMT

Just just a little update..I am closing on my house tomorrow at 1pm. I want to go on an apps spree after closing.

What are some good cards?? I don't want to random choose some cards that will cost me an inquires.

I currently have Cap 1 Plat with a CL of $750 and a Cap 1 quick silver with a CL of $300. Both have $20 balance. I'm going to ask for a CLI.

I had a chapter 7 discharge back in June 2011. My score underneath are pretty current.

I want to get a Barclay card but I'm not sure which one and what are my chances.

No Citi, Chase, BOA, Discover, or GEMoney(Walmart) for me because I burned them in my chapter 7.

After reading all the BK friendly post, I got it narrowed down to Barclay, Amazon, Cap 1 and some department store card. I read that we should stay away from department store cards so are there any more good one out there?

Re: Ready for an app spree

Creditaddict — Thu, 05 Sep 2013 23:04:13 GMT

@Anonymous wrote:
Just just a little update..I am closing on my house tomorrow at 1pm. I want to go on an apps spree after closing.
What are some good cards?? I don't want to random choose some cards that will cost me an inquires.

I currently have Cap 1 Plat with a CL of $750 and a Cap 1 quick silver with a CL of $300. Both have $20 balance. I'm going to ask for a CLI.
I had a chapter 7 discharge back in June 2011. My score underneath are pretty current.
I want to get a Barclay card but I'm not sure which one and what are my chances.
No Citi, Chase, BOA, Discover, or GEMoney(Walmart) for me because I burned them in my chapter 7.

After reading all the BK friendly post, I got it narrowed down to Barclay, Amazon, Cap 1 and some department store card. I read that we should stay away from department store cards so are there any more good one out there?

write directyly to EO for cap1, don't even bother calling about CLI... and ask for say $3k or so on each.

Amazon is GE, but probably decent chance that they will issue cards again even after burning them in BK

Barclay Arrival seems to be very popular these days

not sure 2 years is enough but Discover will also forgive after a bk burn.

Re: Ready for an app spree

Anonymous — Thu, 05 Sep 2013 23:09:00 GMT

Ok thanks...I guess my choices are very limited. I just don't want to get hit with all these inquires.

Should I get the CLI first or go on the app spree?

Re: Ready for an app spree

ezdoesit — Thu, 05 Sep 2013 23:12:38 GMT

@Creditaddict wrote:
@Anonymous wrote:
Just just a little update..I am closing on my house tomorrow at 1pm. I want to go on an apps spree after closing.
What are some good cards?? I don't want to random choose some cards that will cost me an inquires.

I currently have Cap 1 Plat with a CL of $750 and a Cap 1 quick silver with a CL of $300. Both have $20 balance. I'm going to ask for a CLI.
I had a chapter 7 discharge back in June 2011. My score underneath are pretty current.
I want to get a Barclay card but I'm not sure which one and what are my chances.
No Citi, Chase, BOA, Discover, or GEMoney(Walmart) for me because I burned them in my chapter 7.

After reading all the BK friendly post, I got it narrowed down to Barclay, Amazon, Cap 1 and some department store card. I read that we should stay away from department store cards so are there any more good one out there?
write directyly to EO for cap1, don't even bother calling about CLI... and ask for say $3k or so on each.
Amazon is GE, but probably decent chance that they will issue cards again even after burning them in BK
Barclay Arrival seems to be very popular these days
not sure 2 years is enough but Discover will also forgive after a bk burn.

I thought Amazon is Chase?

Re: Ready for an app spree

missjae — Fri, 06 Sep 2013 00:05:41 GMT

@ezdoesit wrote:
@Creditaddict wrote:
@Anonymous wrote:
Just just a little update..I am closing on my house tomorrow at 1pm. I want to go on an apps spree after closing.
What are some good cards?? I don't want to random choose some cards that will cost me an inquires.

I currently have Cap 1 Plat with a CL of $750 and a Cap 1 quick silver with a CL of $300. Both have $20 balance. I'm going to ask for a CLI.
I had a chapter 7 discharge back in June 2011. My score underneath are pretty current.
I want to get a Barclay card but I'm not sure which one and what are my chances.
No Citi, Chase, BOA, Discover, or GEMoney(Walmart) for me because I burned them in my chapter 7.

After reading all the BK friendly post, I got it narrowed down to Barclay, Amazon, Cap 1 and some department store card. I read that we should stay away from department store cards so are there any more good one out there?
write directyly to EO for cap1, don't even bother calling about CLI... and ask for say $3k or so on each.
Amazon is GE, but probably decent chance that they will issue cards again even after burning them in BK
Barclay Arrival seems to be very popular these days
not sure 2 years is enough but Discover will also forgive after a bk burn.

I thought Amazon is Chase?

Amazon Store card is backed by GE and the Amazon Visa is through Chase.

Re: Ready for an app spree

BearsAndTurtlesRtheBest — Fri, 06 Sep 2013 01:33:52 GMT

GE doesnt really hold a grudge so I would go for that.

Re: Ready for an app spree

Anonymous — Fri, 06 Sep 2013 01:45:33 GMT

What cards are under GE? I only know Walmart and Amazon store card (according to acouple post up)

I am planning to apply for 5 good cards.

Help me name 5 of them..

So here's my list that I had gather so far..

Barclaycard

Discover (maybe)

Re: Ready for an app spree

chrisw1968uk — Fri, 06 Sep 2013 01:58:30 GMT

I would definitely add Citi Simplicity & Chase Freedom

Re: Ready for an app spree

Anonymous — Fri, 06 Sep 2013 02:22:39 GMT

Citi will reject me in a heart beat. I had a mortgage with them and deeded the home back in 2009. I owed $114,000 and they sold it off for $44,000. My SSN is probably red flagged. Also, I had a chase card that was included in the BK.

Re: Ready for an app spree

Anonymous — Sat, 07 Sep 2013 00:39:33 GMT

Got instant approval for Barclay arrival for $1900

Got instant approval for Walmart for $500

Got denied by Discover

Maybe will apply for one more...I looked at Amazon visa and Chase and they both ask about BK so I know it will be a No No.

Re: Ready for an app spree

BearsAndTurtlesRtheBest — Sat, 07 Sep 2013 02:24:24 GMT

Congrats!!! Those are great cards.

Re: Ready for an app spree

Themanwhocan — Sat, 07 Sep 2013 17:30:33 GMT

Possibly the Huntington Voice card (the version with 3X rewards in a category of your choosing) especially if you are in their banking area.

Do you have a US Bank in your area? Apply for a Cash+ in the bank (you won't get it) and they should give you the Cash Rewards card instead (basically 1% cash back on everything) which someday when the credit limit is high enough you can PC to the Cash+ (which is their best card). If not in the area, apply for the Platinum card online, as several people, myself included, have PC'd that to a Cash+ over the telephone after 4-6 months.

And there is the Fidelity Investment Rewards Amex for 2% cash back on all purchases.

Re: Ready for an app spree

Anonymous — Sun, 08 Sep 2013 01:39:55 GMT

@Themanwhocan wrote:
Possibly the Huntington Voice card (the version with 3X rewards in a category of your choosing) especially if you are in their banking area.

Do you have a US Bank in your area? Apply for a Cash+ in the bank (you won't get it) and they should give you the Cash Rewards card instead (basically 1% cash back on everything) which someday when the credit limit is high enough you can PC to the Cash+ (which is their best card). If not in the area, apply for the Platinum card online, as several people, myself included, have PC'd that to a Cash+ over the telephone after 4-6 months.

And there is the Fidelity Investment Rewards Amex for 2% cash back on all purchases.

How much do they give for CL on the Platinum?(on average)

Re: Ready for an app spree

Themanwhocan — Sun, 08 Sep 2013 02:03:34 GMT

I know of 2 examples of people with 732 and 730 FICO scores getting a US Bank Platinum card this year, with $8,500 limit each. I don't know of any other examples offhand. Basically, I'm the person with the 732 and I remembered someone else on myfico getting the same amount with 2 points less.

Platinum has no cashback, just a 0% intro APR. But you use it to work up to a cash+ with its two selectable 5% categories, one selectable 2% category, and 1% everything else.

Re: Ready for an app spree

Anonymous — Sun, 08 Sep 2013 02:19:12 GMT

Would stay away from US Bank post BK, they are not friendly (for at least 5 years)

Not sure about HNB would steer clear of them until someone with a BK gets approved.

I would suggest a local credit union for another card. They genreally have decent rates and give good limits.

Be careful about getting anymore cards with the Barclays so recent. They have been known to not like app sprees and have closed or CLD'd accounts for similar activity in the past.

Re: Ready for an app spree

Anonymous — Sun, 08 Sep 2013 02:22:10 GMT

I burned Citi in my BK and was able to get a Sears Card with a $3000 limit post BK. Maybe that would be a good one with being a new homeowner that could prove useful for home improvement projects, appliances, furnature, lawn and garden and so on.

Re: Ready for an app spree

Themanwhocan — Sun, 08 Sep 2013 02:52:01 GMT

I don't have any Citi cards, but I am slightly interested in getting a Citi Dividend card someday. At least it has a signup bonus, and the law of averages implies that someday they may (quite by accident I'm sure) have a useful 5% bonus category. After all, even a broken clock is accurate twice a day...

Anywho, because of this, I have been using the Citi pre-qualify checker, oh I must have used it 3-4 times over the summer. They never gave me a card I was interested in so I ignored the advice. Until a week ago, when they sent me 3 letters, one for each card I pre-qualified for, and each letter thanking me for my recent visit to citicards.com and gave the full details of the offers, with APRs, bonuses, etc.

So, it wouldn't hurt to use that pre-qualify check occasionally, to show them you are interested. Since obviously someone IS keeping an eye on such things at Citi. Then its up to them to decide if they want to overlook the past and re-establish a working relationship.

PS: I've also been using the Chase pre-qualify tool. I never get any offers from them

Re: Ready for an app spree

youngandcreditwrthy — Sun, 08 Sep 2013 15:33:52 GMT

Be careful with Citi? They seem to absolutely hate baddies and will deny you based on that. I got denied a while ago for having a fraud co that was like 6 years old- wasn't mine because i wasnt even old enough to have credit when a stupid utility bill was put on my CR -.-

Re: Ready for an app spree

JonStur — Sun, 08 Sep 2013 16:06:00 GMT

@Anonymous wrote:
Would stay away from US Bank post BK, they are not friendly (for at least 5 years)

Not sure about HNB would steer clear of them until someone with a BK gets approved.

I would suggest a local credit union for another card. They genreally have decent rates and give good limits.

Be careful about getting anymore cards with the Barclays so recent. They have been known to not like app sprees and have closed or CLD'd accounts for similar activity in the past.

+1..yea unfortunately US Bank is gonna be a no go for right now anyway.....

Re: Ready for an app spree

Anonymous — Mon, 09 Sep 2013 14:34:38 GMT

@Themanwhocan wrote:
I don't have any Citi cards, but I am slightly interested in getting a Citi Dividend card someday. At least it has a signup bonus, and the law of averages implies that someday they may (quite by accident I'm sure) have a useful 5% bonus category. After all, even a broken clock is accurate twice a day...

Anywho, because of this, I have been using the Citi pre-qualify checker, oh I must have used it 3-4 times over the summer. They never gave me a card I was interested in so I ignored the advice. Until a week ago, when they sent me 3 letters, one for each card I pre-qualified for, and each letter thanking me for my recent visit to citicards.com and gave the full details of the offers, with APRs, bonuses, etc.

So, it wouldn't hurt to use that pre-qualify check occasionally, to show them you are interested. Since obviously someone IS keeping an eye on such things at Citi. Then its up to them to decide if they want to overlook the past and re-establish a working relationship.

PS: I've also been using the Chase pre-qualify tool. I never get any offers from them

So I went to CITI's website and did the pre-qualifiy check and this is what I got back.

"Sue, we couldn't match your records to a Pre-Qualified credit card offer but we think you'll like this card"

It's a Citi ThankYou® Preferred Card. Is this card a credit card?