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@YankeeNation wrote:Hello everyone,
I am set to close on a house mid Sept but I have just been browsing the different CC that are out there. My credit scores are EX 658 Trans 641 EQ 641 and could possibility go up a few more points before then. I only have 2 CC and 1 Auto Loan. Any suggestions are welcome.
Captial One - Owe $80 - Credit Limit $500
Captial One - Owe $200 - Credit Limit $750
Pre-Congratulations on getting the house lined up!
How long have you had the Capital One cards? What were your scores when you got them? If your scores have improved since then, and you've built up several months of good history with Capital One, then one of the first places you should app is something like the no-AF Quicksilver. It's 3 HP, but the progression in CL that people have seen when they go back to app at CapOne is positive. You can also go for the Venture, if you want, the AF does not start until after a year and you may want to continue with that anyway.
You should check the Citi Prequalification page now. That is no impact on your CR, and you can get an idea what, if anything shows up. Take note of that now, and see if things improve after your home closing. I started monitoring the Citi Prequal earlier this year, and after it got me consistently showing lowest APR, I felt confident to go for the AAdvantage card. You may not see lowest APR, but if they give you a set APR, not a range (or it goes from a range now to a set APR later) that's a good indication you might be OK for a Citi card.
A basic AMEX may be available also, such as EveryDay, BC EveryDay, or a co-branded like the Delta Gold card. With the limited number of cards you have, but a reasonable history, you could be OK.
Also, to get some clarification, where are your scores from? Are those your mortgage FICO scores, or are they myFICO FICO 8 Credit Card-type scores?
