Any wise advice on the next move?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Cap 1 prequalify says I am prequalified for Cap 1 Platinum and below it says " We also suggest : Cap 1 QS One Rewards with $39 AF.

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The suggestions are just marketing. If you MUST have a new card get the platinum. Again, and again, and again, your best bet is to stay calm for 6-12 months and let the cards percolate.

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Thanks once again.

[Anonymous]

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@Anonymous wrote:

I'd suggest getting started on an NFCU membership, then gardening for a minimum of 6 months before apping one of their cards.  Great CU for rebuilders, and if you're good to them, they're crazy good to you.

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Thank you for the advice. Unfortunately, I don't have any connections to military and I don't have anyone in my family who does either. So looking at their website it seems like it is not an option for me. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I'd suggest getting started on an NFCU membership, then gardening for a minimum of 6 months before apping one of their cards.  Great CU for rebuilders, and if you're good to them, they're crazy good to you.

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Thank you for the advice. Unfortunately, I don't have any connections to military and I don't have anyone in my family who does either. So looking at their website it seems like it is not an option for me. 

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Au contraire!

http://ficoforums.myfico.com/t5/Bankruptcy/How-to-join-NCFU-and-rebuild-as-a-civilian-the-right-way/m-p/4642280#M40170

[Anonymous]

Thanks! This is great. I knew this post would bring some wise advice

[Anonymous]

TygerHawke:

Reading your journey and 700/24 plan makes me to consider applying for Capital One now. It seems like they are fast with increasing limit and limit is what I crave. 

[Anonymous]

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@Anonymous wrote:

@Anonymous:

Reading your journey and 700/24 plan makes me to consider applying for Capital One now. It seems like they are fast with increasing limit and limit is what I crave. 

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Absolutely great choice - I recommend their pre-qualifier to get a sneak peek (without a hard pull) of just what they might offer you

Capital One Pre-qualification Link

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

@Anonymous:

Reading your journey and 700/24 plan makes me to consider applying for Capital One now. It seems like they are fast with increasing limit and limit is what I crave. 

---

Absolutely great choice - I recommend their pre-qualifier to get a sneak peek (without a hard pull) of just what they might offer you

Capital One Pre-qualification Link

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I just tried 2 different ways:

1. when I choose that I am interested in low rate it gives me Capital One Platinum at 24.99%

2. when I change it to "cash back" it offers me Capital One Quick Silver 1.5% cash back with annual fee of $39, but still at 24.99&

Which one of them is better choise? Which one would come with higher limit? which one will increase the limit faster?

[Anonymous]

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@Anonymous wrote:

---

@Anonymous wrote:

TygerHawke:

Reading your journey and 700/24 plan makes me to consider applying for Capital One now. It seems like they are fast with increasing limit and limit is what I crave. 

---

Absolutely great choice - I recommend their pre-qualifier to get a sneak peek (without a hard pull) of just what they might offer you

Capital One Pre-qualification Link

---

I just tried 2 different ways:

1. when I choose that I am interested in low rate it gives me Capital One Platinum at 24.99%

2. when I change it to "cash back" it offers me Capital One Quick Silver 1.5% cash back with annual fee of $39, but still at 24.99&

Which one of them is better choise? Which one would come with higher limit? which one will increase the limit faster?

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

Cap 1 prequalify says I am prequalified for Cap 1 Platinum and below it says " We also suggest : Cap 1 QS One Rewards with $39 AF.

---

The suggestions are just marketing. If you MUST have a new card get the platinum. Again, and again, and again, your best bet is to stay calm for 6-12 months and let the cards percolate.

---

Is there specific reason that Platinum is better? Or is it better because I qualified for it? I am askind because I prequalify for both depending on wheter I answer "low interest" or "cash back" to the question on the application

[Anonymous]

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@Anonymous wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:

Cap 1 prequalify says I am prequalified for Cap 1 Platinum and below it says " We also suggest : Cap 1 QS One Rewards with $39 AF.

---

The suggestions are just marketing. If you MUST have a new card get the platinum. Again, and again, and again, your best bet is to stay calm for 6-12 months and let the cards percolate.

---

Is there specific reason that Platinum is better? Or is it better because I qualified for it? I am askind because I prequalify for both depending on wheter I answer "low interest" or "cash back" to the question on the application

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I recommend Option 1

Mainly because it doesn't have an annual fee (why pay for credit?  seriously) - after 60 days of responsible use you will be able to product change to the Quicksilver, still get your 1.5% cash back, still with no AF

Or you could go for the Quicksilver One with a $39 AF.

I will tell you that if you choose the any Capital one card with an AF, you'll have to pull teeth to get it switched to a no-AF card later