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NEW CREDIT CARD APPLICATION

Vegasr
Regular Contributor

Re: NEW CREDIT CARD APPLICATION

Really good suggestions so far. I'd add that she should apply for 3 cards, one right after the other. Choose the cards that pull from different credit bureaus (research what cards pull from which cb in your area, but never 100% guarantee) That way each will see no HPs when applying, and then go from there. 
Discover It

Amazon Prime Visa
Chase Freedom Flex or Unlimited 

AMEX Blue Cash Everyday 

Citibank Cash Back

Target MC

 


Some of these will have really good sign up offers right now and also a chance to see if she's pre-approved  (again no guarantees)

I'd think less than 10% utilization is fine and don't see getting below 5% would matter. And of course use both of your incomes when applying too. 

 

Good luck and post updates. 

Embarrassing amount of credit cards
AoOA: 25yrs
Message 11 of 17
Hoben02
Frequent Contributor

Re: NEW CREDIT CARD APPLICATION

If travel take a look at the chase sapphire preferred/reserve and see if the transfer partners are useful it's about the best travel card if you can use the travel partners. If your wife loves southwest they currently have great deals on their cards and you cannot go wrong on their cards with the annual bonus which covers the annual card fee

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival, frontier)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Message 12 of 17
OmarGB9
Community Leader
Super Contributor

Re: NEW CREDIT CARD APPLICATION


@Vegasr wrote:

Really good suggestions so far. I'd add that she should apply for 3 cards, one right after the other. Choose the cards that pull from different credit bureaus (research what cards pull from which cb in your area, but never 100% guarantee) That way each will see no HPs when applying, and then go from there. 
Discover It

Amazon Prime Visa
Chase Freedom Flex or Unlimited 

AMEX Blue Cash Everyday 

Citibank Cash Back

Target MC

 


Some of these will have really good sign up offers right now and also a chance to see if she's pre-approved  (again no guarantees)

I'd think less than 10% utilization is fine and don't see getting below 5% would matter. And of course use both of your incomes when applying too. 

 

Good luck and post updates. 


It should be noted that some lenders pull more than one bureau. Chase for example tends to double pull, typically EX and EQ.

 

Amex has also been known to double-pull on occasion (EX and TU) for borderline applications. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 13 of 17
Anonymalous
Valued Contributor

Re: NEW CREDIT CARD APPLICATION

This is the best source for which report the different credit card issuers will pull:

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/63797...

Message 14 of 17
Gmv
Established Member

Re: NEW CREDIT CARD APPLICATION

Thank you all this forum is awesome! 

Message 15 of 17
805orbust
Valued Contributor

Re: NEW CREDIT CARD APPLICATION

REALLY wanna +1 the Chase Amazon card. Just add it to your Amazon account, set it as your preferred way to pay. And forget it... 5% on everything. Easy peasy. You also get the 5%at Whole Foods so...



Message 16 of 17
SouthJamaica
Mega Contributor

Re: NEW CREDIT CARD APPLICATION


@Hoben02 wrote:

If travel take a look at the chase sapphire preferred/reserve and see if the transfer partners are useful it's about the best travel card if you can use the travel partners. If your wife loves southwest they currently have great deals on their cards and you cannot go wrong on their cards with the annual bonus which covers the annual card fee


It is believed that for the CSP and CSR Chase needs to see a track record of managing accounts with higher credit limits than what OP's wife has in her profile.


Total revolving limits 743700 (625200 reporting) FICO 8: EQ 705 TU 717 EX 687

Message 17 of 17
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