Prime cards

[Anonymous]

I just started rebuilding in july.  Got a qs1, barclays, dcu visa, cap one secured now but in 6 months, after my newest 10 of 23 inqs are all over 6 months old, I want to app for amex, citi ty preferred and pc my qs1 to qs (hopefully visa sig at some point).  Reports are clean, except for 2 pif med collections working on getting deleted.  Obviously, I'm just going to garden for now but I want something to look forward to in 6 months.  I was considering an amex charge but I read charge cards are pointless unless you do a lot of travel which I never do.  I do still want an amex of some kind.  The citi ty preferred seems like a very similar card to the csp, which id like, but chase likely has me blacklisted for burning them in 2006 from a $500 cc they gave me.  Discover declined me twice now, so that's an option in 6 months.  Id likely sd my barclays but keep it opened for the fico tu or close it entirely if I got discover.  Opinions?

[Anonymous]

the citi TY preferred is a travel rewards card which seems useless to you based on what you said
the CSP is also for travel so again kinda useless
amex has cash back cards (BCE and BCP) but why do you want amex so bad? there are other options out there that could be better. amex isn't the "prestigious" brand it once was.

[Anonymous]

Good point. Those cards would be of little use. What other brand is like the new amex? Lol. I just want to get a good card and rid of these toy limits and (next to) worthless cards I have.

[Anonymous]

the limits aren't necessarily determined by the lender. plenty of people have $1k and $2k CLs on their amex cards.

it really depends on where you spend your money honestly. there are MANY categories covered by all sorts of cards, but where you spend your money determines what cards you should get

[Anonymous]

What's like the bce? I want that and the qs mainly. Read the citi dc isnt worth it over the qs really unless you spend more than 20k a year on it. Id spend less than half that on a card (assuming I have the bce too.) I burned lasalle bank (anyone remember them? Lol) for a $500 cc and overdrafted a bank account $500 and never paid either. Boa acquried them years ago. Assume boa has me blacklisted like chase. I figured for prime its either chase, amex, or citi. We ruled out two of those, so amex is left? Of course theres plenty more options which would specialize in travel rewards. I spend all my money on food, bars, gas, groceries basically. Amazon a good amount but my dad has a discover now so if amazon is one of the quarterly categories I'll use his cc number. Or buy giftcards at the store. That's another thing that's convenient about the bce, the giftcard possibilities, and I'll never spend 6k a year purely on groceries.

[Anonymous]

then the BCE or BCP may work out for you. capital one is still a good one for general spend. and cap1 is less inquiry sensitive than amex

[Anonymous]

Citi thankyou preferred is 2% back on dining and entertainment, 1% everything else. No extra points for travel (unless you consider dining and entertainment to be travel expenses, of course).

CSP also gives 2% back on dining though, so I agree that it's pointless to have the 'thankyou' and CSP. 

[Anonymous]

Yea, I do spend the bulk of my money on entertainment and dining but .5% isnt worth having an extra card. Assuming of course cap one ups my damn $300 limit on this qs1. I spend $1000 on it monthly so im sure they will soon enough.

Dcu checking for fico04 eq, amex bce for fico08 ex, barclays (in the sd) for fico08 tu and then for general spend, my qs. That would be my most logical scenario at this point unless I go for something else over bce and/or get rid of barclays for discover it.

[Anonymous]

Be patient with the Cap1 card. It's the one most likely to grow the most and lift your scores and future card options. 

[Anonymous]

If im blacklisted from chase would I be blacklisted for jp morgan ritz card too? I assume yes since jp morgan is chase.