Need suggestions for which Major CC to apply for with Fico score of 672

[fdrfan54]

I would love to hear your ideas?   

I'm looking for a Major CC with cashback rewards.

[fdrfan54]

Another preference would be the Major CC is friendly towards accpeting Debit Cards as a form of payment.

[NRB525]

If you go to the Citi website, and use their card prequalification tool, does anything turn up with a single APR noted? That is often a good indication of where your file looks to the CCC.

Why is your score 672? High utilization?

Any baddies with any sort of late anywhere on your file at any time in the past?

Your original goal says gardening to mid-2019. That is still a ways away. Are you sticking to your plan?

[fdrfan54]

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@NRB525 wrote:

If you go to the Citi website, and use their card prequalification tool, does anything turn up with a single APR noted? That is often a good indication of where your file looks to the CCC.

Why is your score 672? High utilization?

Any baddies with any sort of late anywhere on your file at any time in the past?

Your original goal says gardening to mid-2019. That is still a ways away. Are you sticking to your plan?

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I paid off and closed a loan account.  My UTI is currently 1 percent.   Circumstances has changed. 

[HeavenOhio]

OP, try to hang on until the end of this month. You should have a score bump coming from your AoYA (age of youngest account) reaching one year.

Also, what are your current reported balances? It's possible that you might have some easy-to-acquire points available that way. Your score is probably OK for most products. But if you can raise it a bit, I think you'd be on safer ground.

Your current limits should position you for most cards. At this time, I'd avoid the ones with high minimum starting limits (e.g. Capital One Venture, Chase Sapphire cards).

EDIT: Missed the part about your 1% utilization.

[coldfusion]

Check Discover and AMEX prequals with the idea of applying for a Discover IT next month and then 3 months after that applying for an AMEX BCE.

[Anonymous]

Citi Double Cash back card?

[cranston3]

Amex, extended warranty etc make this a must have CC.

Citi DC also great.

[Anonymous]

672 on which credit reporting agency?  What about your FICO scores from the other two CRAs?

THat would be useful to know since several lenders will hard pull from two credit bureaus.  Amex will only pull Experian.  Any recommendation would hinge on knowing all three of your FICO scores.

[fdrfan54]

I was denied.   How bad is my score going to be hit for applying for two cards?