Possible credit cards to app for...

[Gidgetmom]

First, thank you to everyone who takes the time to respond!  Any and all advise is welcome...including the negative.  may not like it, but probably need to hear it!

DH and I just bought our dream truck.  It has not hit our reports yet.  I was working to get one more prime card, either to transfer a balance or to just sit in my report at 0%.  Ultimate goal after payoffs, is to dump my Credit One and combine my QS1 into my QS.

Details:

Fico. 637/680/674 EQ/TU/EX

Overall Util: 66%

C1:  27%

QS1: 25%

QS:  86%

Chase SWRR:  78%

AAoA: 8-10 years depending on bureau

INQ:  EQ 6. TU 3. EX: 7.   2 on each are over a year old...2 on each are turning a year old this month...balance are within last 6 mo.

Income: $93,000

Rehabbed student loans showing balance higher than original amount with 5 on time payments since rehab.

two paid medical collections less than 2 years old...not showing on EX or TU

EX and TU are my cleanest reports, with a 30day which is over 2 years old, on both TU and EX

Are there any cards you suggest I might get approved?  Again, want for either balance transfer or to sit in my report at 0% to help with overall util.

[UncleB]

@Gidgetmom  I apologize for your post getting stuck in the spam filter; I've restored it to the forum and I'm sure you'll get feedback soon. 

--UB

[Gidgetmom]

Thank you, Uncle B!  I wondered where the post went...one minute is was there, next it was gone.  I had just decided it wasn't worth typing it all again.  Appreciate you!

[EAJuggalo]

What are you looking for a new card for?  Travel, better cash rewards, lender diversity?  Honestly right now I would work on paying down the Chase card, get that at least below 50% before apping, unless you have a specific need for a new card or a good PreQual.

[fltireguy]

What are your current CL? That util is awful
High, it's killing your scores!

[AverageJoesCredit]

I would recommend working on your utilization first before apping for anything else. Your scores arent bad, you could get quite abit different credit cards with your TU and Ex but like fltireguy says, your scores are holding you hostage. Best of luck

[Gidgetmom]

Have payment plan in place to have all cards  paid off by October 15th.  QS1 and Credit One will be paid off by March 15th (higher interest cards).  Was hoping to close Credit One and replace with a balance transfer card or cash back.  

No prequals yet (probably due to Util)

Chase is next after first two payoffs.  Will be hitting it with $800/mo til paid.

[Gidgetmom]

My daughter's wedding came at a bad time and had to use the cards to pay for it.

QS1 - CL 1550

CO - CL 650

QS - CL 5000

Chse CL 3000

[AverageJoesCredit]

Hey, congrats to daughter and well, that happens lol, thats why its good to have ccs for sunny and rainy days. I think once you pay off C1 you should be able to close it and look forward to the future. Remember Amex likes Experian, Synchrony( Wally, Sams, Amazon etc) like TU so those are some viable options when you are ready

[EAJuggalo]

Get the Chase and QS down below 50% then I'd app for an AMEX.  You should be an easy approval for a Delta or Hilton card, and if you're EX is over 680 pretty much whatever one of their revolvers you'd like.