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Question/Advice

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Anonymous
Not applicable

Question/Advice

I would like to add one more credit card to my profile. I recently (yesterday) was approved for Discover & Cap 1 Venture. From what I have read, neither account (HPs already appear) will report on my CR until next month. Is there a card I can add that would show up sooner? Hoping to get a score increase to help secure a good auto loan rate? I have the following number of inquiries.

Ex-6

Tu-3

Eq- 12

 

Fico AutoScore

EX-720/721

TU- 736/700

EQ- 724/729

Preferably a card that only pulls TU Credit Report.

Message 1 of 8
7 REPLIES 7
baller4life
Super Contributor

Re: Question/Advice

Barclays Sallie Mae or Ring
Message 2 of 8
SouthJamaica
Mega Contributor

Re: Question/Advice


@Anonymous wrote:

I would like to add one more credit card to my profile. I recently (yesterday) was approved for Discover & Cap 1 Venture. From what I have read, neither account (HPs already appear) will report on my CR until next month. Is there a card I can add that would show up sooner? Hoping to get a score increase to help secure a good auto loan rate? I have the following number of inquiries.

Ex-6

Tu-3

Eq- 12

 

Fico AutoScore

EX-720/721

TU- 736/700

EQ- 724/729

Preferably a card that only pulls TU Credit Report.


Since Barclays pulls TU, and since your TU inquiries are the lowest, Barclays is the obvious choice.

 

They have a lot of cards to pick from:

 

The Ring is the one I like the most (I haven't been able to get it but you might)

 

The Sallie Mae card is reputed to be very good

 

The 2 safest bets are the Barclay Rewards card and the NFL Points card


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 3 of 8
Anonymous
Not applicable

Re: Question/Advice

Went the safe route and got the dreaded message

 

We appreciate your application for the Barclaycard Rewards. You'll receive our decision through the mail in 7-10 days

 

 Edit: Called and got approved! SL =$1500

 

Now time to do some gardening.

Message 4 of 8
OmarGB9
Community Leader
Super Contributor

Re: Question/Advice

Congrats!

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 5 of 8
Existentialist
Frequent Contributor

Re: Question/Advice

Nice job. Grats on the approval.

Message 6 of 8
Anonymous
Not applicable

Re: Question/Advice

New account is already posting on my CR! That was fast! Lol
Message 7 of 8
OmarGB9
Community Leader
Super Contributor

Re: Question/Advice

Yea Barclays is fast lol

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 8 of 8
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