MISSION LANE APPROVAL

[blkroyalT]

I've been getting email offers and mailers from Mission Lane. I tossed the mailers, and ignored the emails and the Credit Karma alerts until yesterday. I have a Discover It secured card( $200CL), and Capital One Savor One card ($3000CL) now, so I was wondering if I should just skip this one. My long goal is to get in with Chase/Amex/Citi eventually, but I'd like some good tips on how to reach that point. I also know that Chase has the 5/24 rule, so I don't want to app too much. My other concern was trying to avoid bad subprime cards. I've put most of my spending on the Savor One, and only one charge on the Discover It so far. Mission Lane has approved for $2000 and $19 annual fee. Thoughts? Other suggestions for rebuilding?

[GZG]

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@blkroyalT wrote:
I've been getting email offers and mailers from Mission Lane. I tossed the mailers, and ignored the emails and the Credit Karma alerts until yesterday. I have a Discover It secured card( $200CL), and Capital One Savor One card ($3000CL) now, so I was wondering if I should just skip this one. My long goal is to get in with Chase/Amex/Citi eventually, but I'd like some good tips on how to reach that point. I also know that Chase has the 5/24 rule, so I don't want to app too much. My other concern was trying to avoid bad subprime cards. I've put most of my spending on the Savor One, and only one charge on the Discover It so far. Mission Lane has approved for $2000 and $19 annual fee. Thoughts? Other suggestions for rebuilding?

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did you accept the offer or no?

having three cards is more than enough to start rebuilding, after 3, I would only consider no AF keeper cards that are cards you'll want to keep even after your credit is better 

[blkroyalT]

I hadn't accepted the card yet. I wanted to get some advice before deciding.

[GZG]

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@blkroyalT wrote:
I hadn't accepted the card yet. I wanted to get some advice before deciding.

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I don't see the rush then, keep trying every so often and wait for that to be a $0 AF offer

[blkroyalT]

Oh definitely no rush...lol. Thanks for the advice!

[Priory_Man]

I probably would pass on that for now and see if you cant find a $0 AF card

[blkroyalT]

I didn't pull the trigger on it for that reason as well. I don't have any annual fees on the cards I have already, so I'll pass on this one. Thanks!!

[Tcal]

If you haven't looked into it already,  I'd look into NFCU. They've been great with helping my mother with her getting a handle on debt. Credit unions in general will help greatly, just got to find the right one

[NoMoreDebt]

Congrats on the approval

[captainsensation]

keep working on the cards you have. I would get offers for them at 19 dollar AF but i would always pass. They offered 0 dollar AF but i am not interested in it anymore. Good luck.