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Question and advice...

tag
Anonymous
Not applicable

Re: Question and advice...

I know Smiley Happy 

 

Anyway OP. Barclay is transunion only. They would be your best bet, however if you were already denied by them, and discover only gave you a 500 dollar limit, it is time to chill on the approvals. If you are desperaite for a good limit card, cap 1 venture will be your best bet. Be advised it might be another inq on each of the CRA , however i have seen 1/2 CRA pull. 

Message 11 of 24
crippus
Contributor

Re: Question and advice...

Thanks not really desperate just want to get one card that I can hammer on this trip then pif when I get back and let all tsee cards grow old together. I did have e my dad add me to his discover, which is 26 years old x and hit experian this afternoon, raising my AAOA there from a year and and half to 3 yrs...
Message 12 of 24
crippus
Contributor

Re: Question and advice...

Was also thinking maybe apply for boa travel rewards card to use in Europe, and hopefully get good initial limit and ask for cli on my boa cash rewards card at same time. I've paid that in full twice the two months I've had it. Any advice re this?
Message 13 of 24
Anonymous
Not applicable

Re: Question and advice...

Can you get in with NFCU somehow? With your scores and income you would probably get a pretty decent SL on one of their cards. Who have me by 50 to 60 points on EQ and about 20K in income and I had no current open revolving account history and they started me at 14K. They pull EQ on their CC products and don't seem to be concerned with how many inquires you have. Their Flagship rewards card would be a great option for overseas. 

Message 14 of 24
crippus
Contributor

Re: Question and advice...

No, I joined, but now my sponsor and me as a result are in limbo with security dept. 

Message 15 of 24
crippus
Contributor

Re: Question and advice...

I am a member of rbfcu, nasa, penned and consumers credit union. I'm wondering if one of those is my best bet? I do already have a 5000 platinum cc from rbfcu, and two $2000 cards from usaa

Message 16 of 24
NY2014
Established Contributor

Re: Question and advice...

   

 

 

 

 

                                               I totaly agree with Irish80  Even though he's a Notre Dame grrrrrrr Smiley Mad_ Worlverine ::Smiley Wink .I learned that  the hard way,

Fico Score 10/6 EQ 702,16 INQ,TU 740, 9,iNQ EX 705,21 INQ,13%UTIL-
,10 yrs history,1.6 yr AA Cap1 Plat,VentureOne,QS ,Barckey RCI, BBVA,Amex BCE,CSP,NFCU Flag, NFCU Go,NFCU,Cloc NFCU busin,NFCU busin Cloc,Amex Delta busn,Bj's busn Perks,Hawaiian air busin, Citi dc, Discover IT,Chase Hyatt,U.S bank flex perks.,Am,ex Business Plat JCP. Commercial, citi Hilton
Message 17 of 24
Anonymous
Not applicable

Re: Question and advice...

OP. I honestly would not even go for another card at this point. The $500 Discover approval kind of shows that issuers want to see you use some patience. Your unlikely to get anything with a high limit. You will likely get a Venture, even without the pre-qual, but i'm not so sure it's worth it. Garden!!!
Message 18 of 24
crippus
Contributor

Re: Question and advice...

Thanks. It's hard. How long is good hibernation?
Message 19 of 24
OmarGB9
Community Leader
Super Contributor

Re: Question and advice...

At least 6 months.

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 20 of 24
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