@ficofido1414 wrote:
I am thinking about wells fargo active cash or another pnc card as I have accounts with both however my spend has been kind of low with both so not sure how they would feel about issuing new card or cli on existing cards as I know both banks typically do a hard pull for cli.
Any thoughts ?
CREDIT PROFILE
- * Current credit cards you are the primary account holder of:
- Amex green charge card 5k pot opened 12/2020
- Amex blue cash preferred 5k opened 12/2020
- Amex everyday 5k opened 3/2020
- Wells Fargo propel opened 2/2019 1500 cli to 6k 04/2020 hp
- Pnc cash rewards 6k 10/2019
- Disco it opened 1/2019 2500 cli to 6.5k 4/2020 sp
- Fab loc opened 5/2020 pd & closed 10/2020 6k
- Sync network opened 9/2018 5k cli to 8100 02/2020
- Sync car care opened 11/2015 for 850.00 closed 10/2017
- Sync car care reopened 11/2018 1200 cli to 2700 1/2022 auto cli
- Sync care credit opened 9/2020 13300
- Credit union opened 12/1993 14900 (only reports to ex)
- * FICO Scores with source
- Eq fico 8 (706) fico 9 (749) tu fico 8 (708) fico 9 (756) ex fico 8 (726) fico 9 (781) vantage 4.0 (791)
* Oldest credit card account age with you as primary 6 years 2 months or 29 years
Depending on credit bureau.
- * Number of personal credit cards approved for in the past 6 months: 0
- * Number of personal credit cards approved for in the past 12 months: 2
- * Number of personal credit cards approved for in the past 24 months: 4
- * Annual income $: 70000k
CATEGORIES
- * OK with category-specific cards? yes
- * OK with rotating category cards? yes
- * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
- * Dining $: 400
- * Groceries $: 200-250
- * Gas $: 200
- * Travel $: 0 not right now
- * Do you plan on using this card abroad no
- * Any other categories examples: phone/internet, insurance or stores example: Amazon with significant, regular credit card spend the more you specify, the better $ 300
- * Any other significant, regular credit card spend you didn't include above?: $no
- * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $ no
MEMBERSHIPS
- * Current member of Amazon Prime, Costco, Sam's Club, or a Verizon postpaid customer: yes, amazon prime
- * Current member of Chase, US Bank or any other big bank?: yes
- * Active US military? no
- * Are you open to Business Cards? no
PURPOSE
- * What's the purpose of your next card (choose ONE) rewards and higher limit
- * If you answered, "first credit card", are you an authorized user on any other cards? no
- * If you answered, "balance transfer", please give details as to why:
- * If you answered, "travel rewards", do you have a preferred airline and/or hotel chain? no
- * Do you have any cards you've been looking at? Yes Wells Fargo active cash, another pnc card, would prefer a world Mastercard.
- I am excluding chase, boa, citi and us bank as I am aware they are a no go if a bk is on credit report, as I have an 8+ year old chapter 7 bk.
Wow, what a detailed profile!
I'd opt for the Chase products as they offer the best choices.
For a good overall cashback and higher SL, look at the lesser known: FNBO and Aspiration.
X1 Card is always a good choice if you have direct deposit.
Citibank has a great cashback: Custom Cash.
WF is good if you have a relationship for: Reflect & Active Cash.
