Planning My Next Move... Help?

Anonymous · ‎03-27-2016

Happy Easter everyone,

I'm looking for a new credit card because I'm planning a trip to Asia for 4 months in the fall. I'm going to start booking everything and I need a card for all those purchases.

Current Stats: 735 Fico; 7 Months AAoA (1 yr AU & 2 Months Discover Card); about 10% util across both cards. 18 yrs old and about 12-15k income. 2HP's on TU, 0 on EQ and for some reason, I dont have an EX file.

I've been itching for an Amex for as long as I've been breathing. Currently looking at the everyday card but I know it might have acceptance issues in Asia.

So, a more feasible option, a VISA or MC. Primarly looking at the BankAmericard Travel Rewards, but I'm also interested in the Arrival+. I know chase is out of the question because I dont have 1 year AAoA yet. I'm totally open to suggestions! I know it will be tough with my AAoA, so please, if anyone can guide me in the right direction

JSS3 · ‎03-27-2016

Check Chase, Citi, and Cap1 prequal tools. Chase may not be out of the question(although they might start you with a low limit).

Report back.

Anonymous · ‎03-27-2016

@JSS3 Dead on all three websites :/ Where should I go from here?

@JSS3 wrote:
Check Chase, Citi, and Cap1 prequal tools. Chase may not be out of the question(although they might start you with a low limit).

Report back.

Anonymous · ‎03-27-2016

OP stated that he was 18, so there are no prequels available at all until he turns 21...

Anonymous · ‎03-27-2016

@Anonymous wrote:
Happy Easter everyone,

I'm looking for a new credit card because I'm planning a trip to Asia for 4 months in the fall. I'm going to start booking everything and I need a card for all those purchases.

Current Stats: 735 Fico; 7 Months AAoA (1 yr AU & 2 Months Discover Card); about 10% util across both cards. 18 yrs old and about 12-15k income. 2HP's on TU, 0 on EQ and for some reason, I dont have an EX file.

I've been itching for an Amex for as long as I've been breathing. Currently looking at the everyday card but I know it might have acceptance issues in Asia.

So, a more feasible option, a VISA or MC. Primarly looking at the BankAmericard Travel Rewards, but I'm also interested in the Arrival+. I know chase is out of the question because I dont have 1 year AAoA yet. I'm totally open to suggestions! I know it will be tough with my AAoA, so please, if anyone can guide me in the right direction

i would go for the venture or venture one from capital one.

Anonymous · ‎03-27-2016

@Anonymous wrote:
@Anonymous wrote:
Happy Easter everyone,

I'm looking for a new credit card because I'm planning a trip to Asia for 4 months in the fall. I'm going to start booking everything and I need a card for all those purchases.

Current Stats: 735 Fico; 7 Months AAoA (1 yr AU & 2 Months Discover Card); about 10% util across both cards. 18 yrs old and about 12-15k income. 2HP's on TU, 0 on EQ and for some reason, I dont have an EX file.

I've been itching for an Amex for as long as I've been breathing. Currently looking at the everyday card but I know it might have acceptance issues in Asia.

So, a more feasible option, a VISA or MC. Primarly looking at the BankAmericard Travel Rewards, but I'm also interested in the Arrival+. I know chase is out of the question because I dont have 1 year AAoA yet. I'm totally open to suggestions! I know it will be tough with my AAoA, so please, if anyone can guide me in the right direction
i would go for the venture or venture one from capital one.

Even with my AAoA?

Anonymous · ‎03-27-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Happy Easter everyone,

I'm looking for a new credit card because I'm planning a trip to Asia for 4 months in the fall. I'm going to start booking everything and I need a card for all those purchases.

Current Stats: 735 Fico; 7 Months AAoA (1 yr AU & 2 Months Discover Card); about 10% util across both cards. 18 yrs old and about 12-15k income. 2HP's on TU, 0 on EQ and for some reason, I dont have an EX file.

I've been itching for an Amex for as long as I've been breathing. Currently looking at the everyday card but I know it might have acceptance issues in Asia.

So, a more feasible option, a VISA or MC. Primarly looking at the BankAmericard Travel Rewards, but I'm also interested in the Arrival+. I know chase is out of the question because I dont have 1 year AAoA yet. I'm totally open to suggestions! I know it will be tough with my AAoA, so please, if anyone can guide me in the right direction
i would go for the venture or venture one from capital one.
Even with my AAoA?

yes go on the capital one prequalification site and fill out the form and see what you are prequalified for and let us know

Anonymous · ‎03-27-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Happy Easter everyone,

I'm looking for a new credit card because I'm planning a trip to Asia for 4 months in the fall. I'm going to start booking everything and I need a card for all those purchases.

Current Stats: 735 Fico; 7 Months AAoA (1 yr AU & 2 Months Discover Card); about 10% util across both cards. 18 yrs old and about 12-15k income. 2HP's on TU, 0 on EQ and for some reason, I dont have an EX file.

I've been itching for an Amex for as long as I've been breathing. Currently looking at the everyday card but I know it might have acceptance issues in Asia.

So, a more feasible option, a VISA or MC. Primarly looking at the BankAmericard Travel Rewards, but I'm also interested in the Arrival+. I know chase is out of the question because I dont have 1 year AAoA yet. I'm totally open to suggestions! I know it will be tough with my AAoA, so please, if anyone can guide me in the right direction
i would go for the venture or venture one from capital one.
Even with my AAoA?
yes go on the capital one prequalification site and fill out the form and see what you are prequalified for and let us know

I'm under 21. I dont get prequals, unfortunately.

Anonymous · ‎03-27-2016

in that case all i can tell you from personal experience is that capital one is very good for building and growing credit. at 18 they gave me a card and about 1-2 years later it had grown to 9K limit. with your income i would go for the venture one i think you might have a decent chance of being approved . but its up to you if you want to take a hit there's always a chance for being denied , but that's the case with all creditors, i thin you'll find capital one is more generous than most

Anonymous · ‎03-28-2016

From what I've seen on here, Capital One may be the way to go. If your going to Asia, your going to need a card with a pretty decent starting limit. The cap one cards seem to have really good SLs compared to other banks. Try that Venture One and see how it goes. Good luck!