Help me Decide Hyatt or Alaska Air?

[916networktech]

Team,

I currently have a 709 Score on my Experian and I am trying to decide between the Hyatt or Alaska Air Card.

Data points:

Credit Score 709 Experian 705 TU

Open Credit Cards: 10

Collection Accounts 1 (april 2013 $62 ) . I will not pay it

Total Debt $13838

Total Credit $45550

Credit Usage 28%

Inquires: EXP 7, TU 5

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[BronzeTrader]

You need to provide some data points, so people can help you.

The two cards are totally different.  A lot people love both of them.

For me, I have the Hyatt card.  The annual night more than cover the $75 fee.  The earning rate of the card is just good enough.

I do not have the Alaska card since I already have the Ritz Carlton card and get the airline discount.  And I do not fly to the West coast much as I want to.  

[AverageJoesCredit]

I'd go with or

[916networktech]

Well I was told to pound sand from Alaska Air I tried to recon and was denied again

Not enough time with credit, too high balance.  I even told them I will Open a checking account with BofA and match my Limit, give me $15K i will go deposit 15K give me more I will match it...They denied me still

I was also denied the 3X with Amex...Im done back to the garden I go

[NRB525]

Congrats on getting your list of cards in just over a year. Advisable to use them wisely for another 6 months or a year, build up your history and internal score with both Chase and BofA.

The main factors may be short credit history, and trying to get a Visa Signature card with the $5k limit they prefer. Kind of a big hurdle right now, but with time, you will get there.

[morgacj2004]

Wait awhile and try and get the AK Siggy. The Plat version is nothing great.