Ready for App Need Advice

[FriendshipSoft]

Completing rebuild 

EX 805

Eq 717  ( Got a month left before bad falls)

TU 795 

All I have is

-disco 500 CL waiting to unsecure in the next couple of days 

-BOA Rewards card where I am AA 7500 CL with wife 

also reporting student loans paid never late and mortgage 2 months old 

Average age of accounts 10 years 5 months 

income approx 150 k with bonuses included 

I think I am locked out of Amex /NFCU due to bad history in the past. Chase too from when I was 18 - they won't let me sign up for their pass through site credit journey.

I would like Marriott bonvoy rewards but seems like I'm out on that. All of the card recommendations are pointing towards Citi ( among a lot of others ) 

what do y'all think ? Looking for rewards card with a better bank - with chase -Amex left , where can I build on ? I think my scores/income will help.

im not trying to grab 5-10 cards I just want to grow disco and get another revolver for work expenses estimated 2-4k/month

thank you all for what you have done for me / with me , I will pay it forward 

[FriendshipSoft]

Should add only 1-2 inquiries depending on report. 1 from disco in dec and 1 from mortgage lender in April 

[SouthJamaica]

---

@FriendshipSoft wrote:

Completing rebuild 

EX 805

Eq 717  ( Got a month left before bad falls)

TU 795 

All I have is

-disco 500 CL waiting to unsecure in the next couple of days 

-BOA Rewards card where I am AA 7500 CL with wife 

also reporting student loans paid never late and mortgage 2 months old 

Average age of accounts 10 years 5 months 

income approx 150 k with bonuses included 

I think I am locked out of Amex /NFCU due to bad history in the past. Chase too from when I was 18 - they won't let me sign up for their pass through site credit journey.

I would like Marriott bonvoy rewards but seems like I'm out on that. All of the card recommendations are pointing towards Citi ( among a lot of others ) 

what do y'all think ? Looking for rewards card with a better bank - with chase -Amex left , where can I build on ? I think my scores/income will help.

im not trying to grab 5-10 cards I just want to grow disco and get another revolver for work expenses estimated 2-4k/month

thank you all for what you have done for me / with me , I will pay it forward 

---

Some good cash back cards to think about:

US Bank Cash + or Elan version from regional banks, and US Bank Altitude or Shoppers

Citi DoubleCash, Custom Cash, Rewards+, or Premier

Comenity AAA Travel Advantage or Daily Advantage

[FriendshipSoft]

Thank you for the response - do you think I wokld qualify for Citi and the other cards potentially ? Imposter syndrome is heavy here 

[GZG]

---

@FriendshipSoft wrote:

Thank you for the response - do you think I wokld qualify for Citi and the other cards potentially ? Imposter syndrome is heavy here 

---

i would avoid citi until your EQ baddie falls off imo, otherwise you'd be perfect 

if you find citi pulls something different in your area, 100% go for it, but not with the baddie

[MeredithLepore]

You can typically go through a "pre-approval" with Amex that won't be a hard inquiry on your credit card if you really want to try for Marriot Bonvoy rewards. Otherwise, you can double down on BOA rewards - they have a few good options, depending on what other card you have. Capital One also has some great cards - the Venture is a solid choice for everyday spending as you get 2x points on everything.

[SouthJamaica]

---

@FriendshipSoft wrote:

Thank you for the response - do you think I wokld qualify for Citi and the other cards potentially ? Imposter syndrome is heavy here 

---

I don't see why not.