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Applying for FIRST unsecured next month (April 2019) -- any suggestions which card?

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New Contributor

Applying for FIRST unsecured next month (April 2019) -- any suggestions which card?

Hi All,

I'm going to apply for my first "real" unsecured next month when my scores reach 670-680 since I don't have any unsecured cards yet with the exception of Fingerhut (but I don't count that one as "real" card). The following 2 CC were recommended so I'm looking for any good (or bad) experiences with either of these: American Express Everyday or Discover Cash Back Match.

 

As of today, my current scores are: EQ: 663, EX: 661 and TU: 665 and my existing debts are:

  • Fingerhut $300 limit (Balance $80 to establish payment history)
  • BoA Secured card Limit $500 (Bal $0)
  • Student Loans $201K - paid on time
  • Mortgage $212K - paid on time
  • Auto-loan $23K @ 7% (opened Nov'18) - paid on time

Opened to establish history:

  • Self Lender certificate of deposit $1K (opened Feb'19)

 

Any other cards you'd recommend?

 

Starting FICO 8 Score: 2/12/19 EQ579, TU 588, EX 624
Current Score: 10/27/19 EQ682, TU 708, EX 692
Goal Score: 750+ by March 2020


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4 REPLIES 4
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Community Leader
Senior Contributor

Re: Applying for FIRST unsecured next month (April 2019) -- any suggestions which card?

I’d definitely say to go for the Discover. That cashback match is awesome and Disco tends to give high SLs comparatively. Good luck and congrats on building credit!

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
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Once you go Berner, you never go back.
Message 2 of 5
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New Contributor

Re: Applying for FIRST unsecured next month (April 2019) -- any suggestions which card?

Thank you for the recommendation! I'm hoping my scores are high enough for a decent CL.

 

Curious to know what your quote means at the bottom of your siggy...what's a "berner"? Smiley Happy

Starting FICO 8 Score: 2/12/19 EQ579, TU 588, EX 624
Current Score: 10/27/19 EQ682, TU 708, EX 692
Goal Score: 750+ by March 2020


Take the myFICO Fitness Challenge
Message 3 of 5
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Community Leader
Senior Contributor

Re: Applying for FIRST unsecured next month (April 2019) -- any suggestions which card?


@Credit_Mama wrote:

Thank you for the recommendation! I'm hoping my scores are high enough for a decent CL.

 

Curious to know what your quote means at the bottom of your siggy...what's a "berner"? Smiley Happy


Bernese Mountain Dog lol. The greatest dog to walk this planet. And I’m not biased. 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 4 of 5
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Super Contributor

Re: Applying for FIRST unsecured next month (April 2019) -- any suggestions which card?


@pinkandgrey wrote:

@Credit_Mama wrote:

Thank you for the recommendation! I'm hoping my scores are high enough for a decent CL.

 

Curious to know what your quote means at the bottom of your siggy...what's a "berner"? Smiley Happy


Bernese Mountain Dog lol. The greatest dog to walk this planet. And I’m not biased. 


My mind always went to the other burn lol




Message 5 of 5
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