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Credit Application Suggestions

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Justinallanking
New Member

Credit Application Suggestions

Credit Profile 

Experian: 770 Fico 8

Transunion: 794 Vantage 3 

 

Current Open Cards:

**$20,000-Amazon Prime Signature (Chase) 11 Months Old 

**$15,000-Amex Blue Cash Preffered 1 Week

**$15,000-Credit Union 26 Months

**$15,000-Credit Union 24 Months

**$11,000-Apple Gard (Goldman Sachs) 10 Months
**$10,000-Paypal Mastercard (Synchrony) 27 months 

 

hard inquiries 3:

dated 1/23, 6/23, 8/23

 

Average Credit Age:

1 Year 4 Months

 

all accounts currently have a $0 balance. 

Recently got a new Amex card about a week ago, instant $15,000 approval. Recently got my PayPal MC approved for a credit limit increase, 5k to 10k. Apple Card will not raise limit since I never really use the card (only put $20 max a month on it). Amazon Prine Sig raised my limit from 15k to 20k about 4 months ago, barely use the card. Says credit limit increase not available. 

was wondering if there's other cards people can recommend that give around 15k to 20k limit with little or no annual fee? 
seeing I just applied for the Amex and got approved. What would you recommend to wait. 

thank you for your time!

Message 1 of 3
2 REPLIES 2
Tdatb64
Frequent Contributor

Re: Credit Application Suggestions

Congrats!

Message 2 of 3
JoeRockhead
Community Leader
Super Contributor

Re: Credit Application Suggestions

You could consider looking at Chase cards as they have a nice lineup of cards. Whether or not you'll get a higher SL is going to depend on the rest of your profile, income etc... The only thing I'd say would be a potential factor getting a larger SL might be your AAoA at less than a 1.5 yrs but, Chase can be very generous with good spend and behavior (PIF), so growth of a CL shouldn't be a problem. 

 

You could also consider Citi but they are new account sensitive, especially for first time card holders so I'd wait on them until you're 0/6 on new approvals. I'm sure others will chime in with some solid suggestions.

Message 3 of 3
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