citi is pretty picky. there are other decent regular spend cards that are good as well 
@Anonymous wrote:
Thanks, I have no problem waiting. I'm not going to apply right now anyway. I have three collections that should be coming off at the end of the month, do I will wait for better offers.
Honestly, until you see your true FICO scores after the collections, I wouldn't apply for anything. And if your scores at that point are under 700 I really wouldn't apply for anything for a while-with one exception, that you do not have any open revolving accounts at this time. If this is the case, I would aim for a capital one card like journey/qs1.
Must garden until 2/1/2022 to hit my goal AAOA. 
@Anonymous wrote:
@SecretAzure wrote:
@Anonymous wrote:
Thanks, I have no problem waiting. I'm not going to apply right now anyway. I have three collections that should be coming off at the end of the month, do I will wait for better offers.Honestly, until you see your true FICO scores after the collections, I wouldn't apply for anything. And if your scores at that point are under 700 I really wouldn't apply for anything for a while-with one exception, that you do not have any open revolving accounts at this time. If this is the case, I would aim for a capital one card like journey/qs1.
Thanks secret,
As I said previously, I'm not applying for anything until they are off my report. Right now I'm at 627 EQ, 694 TU, 697 EX. When I apply, it will be with a card that only pulls TU or EX, as those scores will be over 700 shortly. Any suggestions?
Amex BCE, ED, or BCP (this one might be a bit harder to get but you can upgrade BCE to it). Cap1 has some that should be easy to get once those clear as well, like the ones I mentioned above but they triple pull which won't work for you. Also, you can get Chase Slate (Which gives you 1/3 credit scores monthly) but they pull different CRA's depending on where you live, I'd check the credit pull database to see what they might pull in your area.
@Anonymous wrote:
@SecretAzure wrote:
@Anonymous wrote:
@SecretAzure wrote:
@Anonymous wrote:
Thanks, I have no problem waiting. I'm not going to apply right now anyway. I have three collections that should be coming off at the end of the month, do I will wait for better offers.Honestly, until you see your true FICO scores after the collections, I wouldn't apply for anything. And if your scores at that point are under 700 I really wouldn't apply for anything for a while-with one exception, that you do not have any open revolving accounts at this time. If this is the case, I would aim for a capital one card like journey/qs1.
Thanks secret,
As I said previously, I'm not applying for anything until they are off my report. Right now I'm at 627 EQ, 694 TU, 697 EX. When I apply, it will be with a card that only pulls TU or EX, as those scores will be over 700 shortly. Any suggestions?
Amex BCE, ED, or BCP (this one might be a bit harder to get but you can upgrade BCE to it). Cap1 has some that should be easy to get once those clear as well, like the ones I mentioned above but they triple pull which won't work for you. Also, you can get Chase Slate (Which gives you 1/3 credit scores monthly) but they pull different CRA's depending on where you live, I'd check the credit pull database to see what they might pull in your area.
OK, what's BCE, ED, and BCP?
Amex BlueCash Everyday, Everyday, and BlueCash Preferred cards. All of these are Amex cards and the first 2 are pretty easy to get (as far as revolvers go). I really wish someone more knowledgable would chime in here.
LOOKING FOR MORE PEOPLE. CreditAddict, CreditCuriousity, Yes-Its-Me, Irish80, guy with TWC(or something), please feel free to chime in now.
