topic Re: Advice for an APP in Credit Cards

Advice for an APP

Mm587 — Wed, 18 Jun 2014 03:54:47 GMT

I have been rebuilding for about two years...i currently have a few Capital One QS1 cards and a Barclays AVerage credit... i recently dumped my applied bank and Credit One BAnk cards because they were a little worthless at this point. my TU FICO is 687 and my EQ on myfico is 696....not sure about EX...i am looking for either a Chase, a Discover CArd or any other major card that i may qualify for....i haven't apped in a while....any ideas as to what I should try to get? thanks!!

Re: Advice for an APP

Creditaddict — Wed, 18 Jun 2014 03:57:03 GMT

@Mm587 wrote:
I have been rebuilding for about two years...i currently have a few Capital One QS1 cards and a Barclays AVerage credit... i recently dumped my applied bank and Credit One BAnk cards because they were a little worthless at this point. my TU FICO is 687 and my EQ on myfico is 696....not sure about EX...i am looking for either a Chase, a Discover CArd or any other major card that i may qualify for....i haven't apped in a while....any ideas as to what I should try to get? thanks!!

have you checked the pre-qual on each bank site?

are all the baddies over 2 years old now?

Re: Advice for an APP

Mm587 — Wed, 18 Jun 2014 04:00:13 GMT

Nothing on the pre Qual sites...i have a single 30 day late about 18 months ago....it was an oversight....also, my limits on the three cards i have are 500, 1300, and 1800. I am also an AU on my wife's Chase Freedom of 3500.00 The other option i have is wait another 6 months and try to get my three cards CLI before i app... any more thoughts?

Re: Advice for an APP

Loques — Wed, 18 Jun 2014 04:01:13 GMT

@Mm587 wrote:
I have been rebuilding for about two years...i currently have a few Capital One QS1 cards and a Barclays AVerage credit... i recently dumped my applied bank and Credit One BAnk cards because they were a little worthless at this point. my TU FICO is 687 and my EQ on myfico is 696....not sure about EX...i am looking for either a Chase, a Discover CArd or any other major card that i may qualify for....i haven't apped in a while....any ideas as to what I should try to get? thanks!!

Aim high! I was recently approved for Chase Freedom with $3k and Amex Gold Delta with $5k with mid-600 scores (all 3). When I was approved for Discover (didn't think I would be) a couple of years ago, score were similar and baddies were 2-3 years old. I think you probably have a good chance, but as always YMMV.

Re: Advice for an APP

Creditaddict — Wed, 18 Jun 2014 04:01:55 GMT

I would apply:

Chase

Discover

American Express

and pick 3 and just go one to the next without stopping regardless of what the first or the second says because the 3rd might be completely different!

Re: Advice for an APP

vygotsky — Wed, 18 Jun 2014 14:17:05 GMT

@Creditaddict wrote:
I would apply:
Chase
Discover
American Express

and pick 3 and just go one to the next without stopping regardless of what the first or the second says because the 3rd might be completely different!

Re: Advice for an APP

Mm587 — Thu, 19 Jun 2014 13:47:25 GMT

Great advice. I was shopping with my wife and applied for a JC Penny store card to save the 20%. I was approved for only 800.00. I came home and applied for Chase Freedom, Discover IT, and AMEX Blue....approved for Discover IT....7-10 note on the Chase...denied for AMEX......called Discover IT and they said congrats, your live is 5K (largest line yet), called Chase and they said I was denied---asked for recon and after a few minutes they came back and said they will approve for 1500. Haven't called AMEX yet.... thanks everybody

Re: Advice for an APP

Anonymous — Thu, 19 Jun 2014 13:57:00 GMT

@Mm587 wrote:
Great advice. I was shopping with my wife and applied for a JC Penny store card to save the 20%. I was approved for only 800.00. I came home and applied for Chase Freedom, Discover IT, and AMEX Blue....approved for Discover IT....7-10 note on the Chase...denied for AMEX......called Discover IT and they said congrats, your live is 5K (largest line yet), called Chase and they said I was denied---asked for recon and after a few minutes they came back and said they will approve for 1500. Haven't called AMEX yet.... thanks everybody

Congrats on the new cards and successful recon! Not to put a damper on your day, but from what I understand Amex rarely does recons.

Re: Advice for an APP

ACG23 — Thu, 19 Jun 2014 14:09:10 GMT

@Mm587 wrote:
Great advice. I was shopping with my wife and applied for a JC Penny store card to save the 20%. I was approved for only 800.00. I came home and applied for Chase Freedom, Discover IT, and AMEX Blue....approved for Discover IT....7-10 note on the Chase...denied for AMEX......called Discover IT and they said congrats, your live is 5K (largest line yet), called Chase and they said I was denied---asked for recon and after a few minutes they came back and said they will approve for 1500. Haven't called AMEX yet.... thanks everybody

Congratulations! I'm just about to apply for Chase Freedom with year-old baddies; it's good to see your success.