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Looking for advice on DW next round of cards

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raisemysc0re
Established Contributor

Looking for advice on DW next round of cards

My DW has about 10 cards now. She is also an AU on 3 of my oldest cards.

She only carries a balance on 1 of them (Jordan's Furniture 0% for 5 years so why not) which is currently at 11% UTI but she is about 2% aggregate UTI. Most of them are starter cards (CapOne, Comenity, Synch) or Co-Branded store cards except for a USBank Cash+ @ 10K.

Her Fico8 scores are right around 800 and her inquiries are as follows:

EQ 3/12, TU 0/12, EX 1/12

She is currently 2/24 on new accounts.

I'm thinking the Citi Custom Cash for 5% gas, Wells Fargo Active or PenFed PCR for everyday 2% and Chase Prime for Amazon.

I pay all the bills and housely spending using my cards but these should pretty much maximize the rewards for her spend.   

Any advice on a different lineup or order in which she should apply?

 

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):


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5 REPLIES 5
raisemysc0re
Established Contributor

Re: Looking for advice on DW next round of cards

I was also thinking about the FNBO Evergreen as the 2% card.

She is pre-selected for the Amazon Visa, Citi Custom Cash and Wells Fargo.

She is pre-approved for the FNBO Evergreen for the 15K max SL.

Should the Custom Cash be first, followed by the Amazon and then finally the FNBO card?

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):


Message 2 of 6
Adkins
Legendary Contributor

Re: Looking for advice on DW next round of cards


@raisemysc0re wrote:

I was also thinking about the FNBO Evergreen as the 2% card.

She is pre-selected for the Amazon Visa, Citi Custom Cash and Wells Fargo.

She is pre-approved for the FNBO Evergreen for the 15K max SL.

Should the Custom Cash be first, followed by the Amazon and then finally the FNBO card?


I would do Amazon, Custom Cash then FNBO, in that order. 


Last HP 08-07-2023



Message 3 of 6
spiritcraft1
Valued Contributor

Re: Looking for advice on DW next round of cards

How about an Elan Max cash?  It may yield a higher SL than Citi???  The DW just scored one with similar stats @ $25k.  There is a 0% deal going on also.   Household income, instant approval, we picked the coolest looking card from a random bank 5,000 miles away.  Smiley Happy


Biz |
Current F08 -
Current 2,4,5 -
Current F09 -
No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Message 4 of 6
raisemysc0re
Established Contributor

Re: Looking for advice on DW next round of cards


@spiritcraft1 wrote:

How about an Elan Max cash?  It may yield a higher SL than Citi???  The DW just scored one with similar stats @ $25k.  There is a 0% deal going on also.   Household income, instant approval, we picked the coolest looking card from a random bank 5,000 miles away.  Smiley Happy


She already has the USBank Cash+ 5% card and she has already been approved for the Citi Custom Cash.

Amazon Prime Visa is next. Already applied before @Adkins response.

 

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):


Message 5 of 6
raisemysc0re
Established Contributor

Re: Looking for advice on DW next round of cards


@Adkins wrote:


I would do Amazon, Custom Cash then FNBO, in that order. 


Well She was instantly approved for the Citi CC ($9,400 @ 16.99%), then the Chase Amazon Visa ($10K @ 17.24%) and finally FNBO was prequalified at $15K and I think 17.24% but came back with a 2-4 week wait.

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):


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