Application recommendations

[Anonymous]

Hello, first time to post but I've been reading about credit and it helped me a lot. 

If this post doesn't belong sorry I didn't know where to post it. 

So I started as a college graduate with no credit history since I didn't knew about credit I applied various time and got denied and those inquires fell on my score so I was at 620 approx on TU, EQ, EX. 

So I found this website and started reading since then I got a job. My local bank, Banco Popular didn't offer secured credit cards, but if I have a job for 9 months with x amount of salary they would approve a credit card so I waited for 9 months got my BPPR credit card for $800. 

After that, I waited 6 months and the score went up to approx 690 on TU,EQ,EX. 

Then applied for Discover it got approved for $1,200, BoA Cash approved for $1,200. Then I wanted something flat 2% and applied for the same time for the Paypal MC and Citi Double Cash, surprisingly I got approved for both, Paypal for $2,300 and Citi double for $1,000. And I got Amazon Sync for $1,200 too. 

Since then never applied score went down but after few months score went up to 736EX, 710EQ, 708TU. 

Got increase from Discover from $1,200 to $2,300 and my Paypal MC from $2,300 to $4,500.

My current credit card usage:
BoA for Gas 3%
Amazon for Amazon purchases 5%
Discover it for whatever their rotating category is
Paypal and Citi their 2% for everything else
Banco Popular doesn't offer cashback so I used once a month to keep it active. 

I was looking for Wells Fargo Amex Propel, US Cash Plus and Amex Everyday cards. Which are the easiest to get aproved for?

[Girlzilla88]

That's a lot of cards may I ask why you need so many?!      Probably the WF would be easiest but you really only need 3 solid CC's 

[simplynoir]

---

@Girlzilla88 wrote:

That's a lot of cards may I ask why you need so many?!      Probably the WF would be easiest but you really only need 3 solid CC's 

---

I'm in agreement here. USBank is new account sensitive so you might not be able to get in with them, WF Propel I don't know their approval criteria but seems to be a popular card here so I would look into that, and AMEX ED is only good if you're looking to get into points for travel because the cash/gift card redemptions are not any good.

Honestly, with your current lineup you seem to have the major ones covered.

[SouthJamaica]

---

@Anonymous wrote:

Hello, first time to post but I've been reading about credit and it helped me a lot. 

If this post doesn't belong sorry I didn't know where to post it. 

So I started as a college graduate with no credit history since I didn't knew about credit I applied various time and got denied and those inquires fell on my score so I was at 620 approx on TU, EQ, EX. 

So I found this website and started reading since then I got a job. My local bank, Banco Popular didn't offer secured credit cards, but if I have a job for 9 months with x amount of salary they would approve a credit card so I waited for 9 months got my BPPR credit card for $800. 

After that, I waited 6 months and the score went up to approx 690 on TU,EQ,EX. 

Then applied for Discover it got approved for $1,200, BoA Cash approved for $1,200. Then I wanted something flat 2% and applied for the same time for the Paypal MC and Citi Double Cash, surprisingly I got approved for both, Paypal for $2,300 and Citi double for $1,000. And I got Amazon Sync for $1,200 too. 

Since then never applied score went down but after few months score went up to 736EX, 710EQ, 708TU. 

Got increase from Discover from $1,200 to $2,300 and my Paypal MC from $2,300 to $4,500.

My current credit card usage:
BoA for Gas 3%
Amazon for Amazon purchases 5%
Discover it for whatever their rotating category is
Paypal and Citi their 2% for everything else
Banco Popular doesn't offer cashback so I used once a month to keep it active. 

I was looking for Wells Fargo Amex Propel, US Cash Plus and Amex Everyday cards. Which are the easiest to get aproved for?

---

I think you're good for now, and should let your accounts age.

[Anonymous]

---

@Anonymous wrote:

... I was looking for Wells Fargo Amex Propel, US Cash Plus and Amex Everyday cards. Which are the easiest to get aproved for?

---

I'll take a shot answering the question that was asked:

I don't have a US Cash+ but do have the other two. I'd guess you'd qualify for both (though I'm a bit fuzzy on how long you've been "at" credit. maybe listing your AAoO & AAoA would help), with Amex being both easier to acquire and more valuable to have (SP CLI & more cards down the road, all SP).

Good luck. 

[Anonymous]

Oldest account is 1 year 2 months
Average 8 months

Mainly I want a Visa with cash back since lot of places mainly Costco don't accept MasterCard, my Visa is low $800 I can easily use more than 30% and it doesn't offer cash back.

[pinkandgrey]

Honestly the Amex Everyday would probably be the easiest. Check the prequal though. US Bank is finnicky to say the least and might not like all your new accounts. Wells Fargo tends to be relationship-oriented also so the Propel may be hard to get. Let us know what you get and good luck! 

Oh, and welcome to the forums! 😉

[Anonymous]

Amex Everyday would probably be best bet of the lot.  The WF one is a popular card.  If you have an existing relationship with them, that might be a good Go-To, else I am NOT a WF fan.  (Incompetence, poor customer service, and no, not saying that because I was declined for something - more like a simple like a small business bank account seems beyond them - they can't get it or the debit cards or the online access "right.").