Best card to apply for next?

[tmwardga]

Hello...first time poster here.  I have been working for the last 2-3 years to get my scores up and slowly but surely I have gotten up to 726 on Fico 8.  I recently (3 mo. ago) received the Apple card with a $3,ooo credit line, and the only other credit card I have is an older card, Merrick Bank, which has a $1,400 credit line.  Which card should I look at next?  I would like to try and get a larger credit line, but I am unsure which card would allow me to do this right away.  Thanks for any help you can give this newbie!

[FireMedic1]

Welcome to the forums @tmwardga 

Little past history needed. Any BK or CO's? What went south for you to rebuild the past 2-3 yrs? That will help a lot.

[tmwardga]

No BK or CO's, went through a hard spell after my husband went through colon cancer treatments. He recovered thankfully. After that, we moved to another state for me to accept a great job. Shortly after that, he lost his job due to the company eliminating the department. During this time, it also took us a year to sell our previous home. Long story short, we got behind on everything due to all of the above.  I thought I did the right thing by requesting hardship arrangements with every creditor I had, some of which required me to close the accounts.  So I've been working hard to recover from all of this. Taken a while, but trying to hold the course!

[CYBERSAM]

If you haven't burnt AMEX, Disco, FNBO, Citi... They have good cards to get for rewards and can grow with SP for long term.

But as @FireMedic1 said, your history is the biggest factor for getting any reasonable suggestions.

[Suzette2]

---

@tmwardga wrote:

Hello...first time poster here.  I have been working for the last 2-3 years to get my scores up and slowly but surely I have gotten up to 726 on Fico 8.  I recently (3 mo. ago) received the Apple card with a $3,ooo credit line, and the only other credit card I have is an older card, Merrick Bank, which has a $1,400 credit line.  Which card should I look at next?  I would like to try and get a larger credit line, but I am unsure which card would allow me to do this right away.  Thanks for any help you can give this newbie!

---

Every file is different.  I got the Amex BCP and it opened a lot of doors for me!  I got the disco at the same time- it opened doors but the increases haven't come for Miss Dosco yet    Welcome- I've learned so very much here with this great and supportive group. 

[FireMedic1]

@tmwardga 

Lets narrow it down. Who were the negs with? Were getting there.

[tmwardga]

Thank you @Suzette2 . Been lurking a while and getting up the courage to ask questions! 😂

[tmwardga]

@FireMedic1  negatives which have now been paid off by setting up hardship repayment plan are: capital one, care credit (synchrony), Victoria's Secret, Gap, Credit One, and Nordstrom Visa.

[FireMedic1]

Thanks. Give Disco a pre-qual shot. Its pretty solid if they show the card. Good Luck!

https://www.discovercard.com/application/preapproval/initial 

[tmwardga]

@FireMedic1 Will do. We are closing on the purchase on our home in about 3 weeks (been renting 4 years), so I will try after that. Thanks for the advice!