Looking for Suggestions of What Card to Apply for Next

[CreditFun]

Few reasons.  (1) they report as secured cards and during a manual review could show weakness in my credit profile (2) I don't want to have my money tied up, rather use the money for airline tickets for a vacation next summer (3) I have accounts reporting with 24+ years, 10 years from now, I don't think these accounts will have any significant help in AAOA, since I am applying for replacement cards over next 12 months, 10 years from now my AAOA will probably be knocking on 10+ years AND (4)  although the limits are not the minium (1k each), next week I plan on asking for a CLI on Best Buy visa, to kickstart larger limits on subsequent card approvals.  :-)

[tbque]

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@CreditFun wrote:

I was searching through the website and saw a bunch of cards that said offer for you, but none said prequalified like the Amex Platinum.

I went ahead and applied for the card and got approved!

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Congratulations on the AmEx approval!

[CreditFun]

Little SNAFU this weekend. Collection popped up on my EX and TU reports. Based on research, should fall off after a DV letter. Still looking to add two unsecured revolvers ASAP. I had to abandon my hopes for a Amex Cash Magnet for the time being.

I applied for US Bank and BB&T with a FICO 8 of 705, utilization of about 25% (6% if you include my AU cards), no inquiries for 12+ months, AAoA 10 yrs, most recent account 1yr 8mo and one collection 6 years old.

Both gave me wait and see response.

Based on my readings of US Bank, I’m hopeful.

If I’m approved, I’ll wait six months before cash magnet. If I’m denied, I’ll try to clean up EX and apply for cash magnet as soon as I get the collection off.

For those wondering BBT and US Bank both pulled Equifax in Florida. Tried PNC but it looks like they tried a frozen Experian.

[SifiUSa]

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@CreditFun wrote:

Below is a summary of my credit.  I am basically looking to replace my 2 secured cards with unsecured cards.

As you can see, Equifax is near perfect.  However, Experian is what AMEX looks at.  So I am handcuffed until late next year when most of these chargeoffs/collections fall off.

Any suggestions?  I am in Florida.

Credit Score

approximately 675 FICO 8 (waiting for balances to update)

Credit Active:

Cap1 secured 2 years old

Disco Secured 2 years old

Bestbuy MC unsecured 2 years old

Amex Plat and BlueCash Authorized User

Car Loan 3 years old

Student Loan balance exceeds initial loan amount

Closed accounts

thick file 25 years worth

Negative accounts 

(TransUnion and Experian)

last late payment - closed account 3 years ago

3 collections 6+ years old

8 chargeoffs 6+ years old

(Equifax)

1 collection 6+ years old

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Congratulation you are rebuilding your credit! After years of bad credit went for Capital one and Discover too. After you need to go after Synchrony because they are good for me so far. Try Lowe's credit card, I jump from $1.5k to 35k in less than 6 mths! I applied before buying my house but I appreciated their LUV button.......I used their 24 mths free credit and charge the cc for $2900. I'm paying slowly but regularly. Keep me posted.