Help with Credit Card apps

[Anonymous]

We will be closing on our house in March.  For the past nine months we have applied for nothing!!  Over this time we have worked on cleaning up our reports and paying down utilization etc.  During this time our scores have gone from the mid 550's to almost 680 -700 across the board for both of us.  These should continue to go up as I just paid down utilization on most of our cards.  We are going to need appliances and furniture for the new house so I'm looking for a low APR card(s).  Here is a list of the cards we currently have:

Husband:

Capital One Journey - 1500 CL

Capital One Platinum - 2000 CL  (recent increase of $1250)

Credit One - 550 CL

RBFCU - 1,000

Fingerhut - 2,000 CL

Me:  

Capital One - $3300 CL

Income:  $78,000 annual

It's amazing at how my mailbox is being flooded with applications every week and yet I can't apply for anything right now and the amount of pop-ups I get is crazy.

Any guidance and help would be appreciated.  The ones we are looking at are Lowes, Overstock and I have no clue after that.

Thanks in advance.

[Anonymous]

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FYI - Just to clear it up before anyone replies - I will not apply for anything until the keys are in my hand.  :-)

[Anonymous]

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@Anonymous wrote:

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FYI - Just to clear it up before anyone replies - I will not apply for anything until the keys are in my hand.  :-)

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Congrats on the house.  Here is a list for you...http://www.nerdwallet.com/blog/top-credit-cards/nerdwallets-best-low-interest-credit-cards/

[Anonymous]

List of some interested in and that shows we are likely to get:

Citi Slate

Chase Freedom

Lowes

Barclays???

I am not sure about the American Express cards that pop-up for us or how they work.  Did I mention credit is new to me?

1. - Is there any particular order when applying?

2. - Other cards that we can add to our credit profile?

3. - We only want to add about 2-3 to mine and 1-2 to his.

[NRB525]

For the appliances, it would seem either Lowes or Home Depot store cards would work. There is a big potential Gotcha with those 0% offers however.

If you get $2,000 worth of appliances, and you do not pay them down to exactly zero by the end of the 0% interest term period, they go back and add up all the interest you did not pay, and bill you for all the interest for all those months you thought you had zero interest.

So they are still a good card to consider, because they want to sell you the appliances. Just go in with your eyes wide open and make sure you pay them off and monitor, know well, when that deadline is going to be.