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Ready to apply, which card?

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Anonymous
Not applicable
‎07-03-2015 09:58 AM
‎07-03-2015 09:58 AM

Ready to apply, which card?

After a 3m rebuilding journey, scores are the highest they will be for a while (EQ:764, TU & EX: 753).

I've got rid of some baddies and went from 90% UTI to 1% (and also got a new cards last month with $10K limit via a CU).

 

Time for applying for a new card, I was thining of the Chase Saphire since I come up as pre-qual on their site together with the Freedom and the Slate. 

Do you recommened trying for it? I do like the idea of getting miles with my kids tuition payments but also woudl like to make sure I get a large limit since when school starts again usually my UTI goes up and I would like to create a buffer. 

 

I also would love an Amazon Card, does it make sense to apply for 2 cards with Chase? Will they do 2 HP? any recommendation how to approach it? 

 

 

 

Here are my current cards, limites and UTI

Cards: 

Opened

Current Balance

Limit

UTI

Amex (Costco)

Mar 11

$28

$5,000

1%

BOAM Visa 1

Apr 04

$525

$6,000

9%

BOAM Visa 2

Aug 01

$0

$5,200

0%

BOAM (AAA)

May 2006

$0

$500

0%

Comenity (BJs)

Jan 12

$0

$1,230

0%

USalliance CU (LOC)

Apr 14

$0

$12,000

0%

Metro CU

Jun 15

$0

$10,000

0%

 

 

$553

$39,930

1%

 

 

Oldest Account

13.9 year(s)

Average Account Age

6.3 year(s)

 

 

 

Message 1 of 16
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15 REPLIES 15
Creditaddict
Legendary Contributor
‎07-03-2015 12:36 PM
‎07-03-2015 12:36 PM

Re: Ready to apply, which card?

Yes I would do CSP and Amazon Visa back to back... Chase tends to let 2 apps go through at a time.

Message 2 of 16
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trant3
Established Contributor
‎07-03-2015 12:49 PM
‎07-03-2015 12:49 PM

Re: Ready to apply, which card?

go for the sapphire SL tends to be generous, or try discover

Amex Bonvoy Brilliant $5k, Expedia OneKey $30k, Fidelity $23.5k, FNBO $15k, Universal Studios Visa $15k, G-Bank $15k, Mesa Homeowners Visa $20k, FourLeaf FCU $35k, US Bank Cash+ 15k, US Bank Alt. Reserve $16k, Affinity FCU $10k, Sofi $15k, Venmo Visa $15k, AAA $11.9k, Apple $8.5k, Citi Custom Cash $19k, Citi Double Cash $16k, Citizens Bank Cash Plus $11k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $1k, AMEX Hilton Aspire $18k, Chase Freedom $41.5k, NFCU Plat $50k, NFCU Flagship $30k, Discover IT $36.5k, Discover Miles $20k, BECU Visa $40k, Wells Fargo Active $11.3k, PenFed Promise $15k, PenFed Gold $20k, BoA AmeriCard $14k, BoA Cash $14k, Citi SYWM $1k
Message 3 of 16
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Anonymous
Not applicable
‎07-03-2015 02:23 PM
‎07-03-2015 02:23 PM

Re: Ready to apply, which card?

@trant3 wrote:

go for the sapphire SL tends to be generous, or try discover

Was approved for the Chase Saphire $14K and Amazon $5K... 

Not bad considred where I was at the low 600s just a few months ago... 

Thanks for all the help here!!

Message 4 of 16
trant3
Established Contributor
‎07-03-2015 02:33 PM
‎07-03-2015 02:33 PM

Re: Ready to apply, which card?

congrats!

Amex Bonvoy Brilliant $5k, Expedia OneKey $30k, Fidelity $23.5k, FNBO $15k, Universal Studios Visa $15k, G-Bank $15k, Mesa Homeowners Visa $20k, FourLeaf FCU $35k, US Bank Cash+ 15k, US Bank Alt. Reserve $16k, Affinity FCU $10k, Sofi $15k, Venmo Visa $15k, AAA $11.9k, Apple $8.5k, Citi Custom Cash $19k, Citi Double Cash $16k, Citizens Bank Cash Plus $11k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $1k, AMEX Hilton Aspire $18k, Chase Freedom $41.5k, NFCU Plat $50k, NFCU Flagship $30k, Discover IT $36.5k, Discover Miles $20k, BECU Visa $40k, Wells Fargo Active $11.3k, PenFed Promise $15k, PenFed Gold $20k, BoA AmeriCard $14k, BoA Cash $14k, Citi SYWM $1k
Message 5 of 16
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SouthJamaica
Mega Contributor
‎07-03-2015 02:33 PM
‎07-03-2015 02:33 PM

Re: Ready to apply, which card?

@Anonymous wrote:
@trant3 wrote:

go for the sapphire SL tends to be generous, or try discover

Was approved for the Chase Saphire $14K and Amazon $5K... 

Not bad considred where I was at the low 600s just a few months ago... 

Thanks for all the help here!!

Amazing turnaround; nice going.


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




Message 6 of 16
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Anonymous
Not applicable
‎07-03-2015 02:40 PM
‎07-03-2015 02:40 PM

Re: Ready to apply, which card?

Just called for recon and got the Amazon to $8K... 

Message 7 of 16
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Creditaddict
Legendary Contributor
‎07-03-2015 02:44 PM
‎07-03-2015 02:44 PM

Re: Ready to apply, which card?

Nice!
Message 8 of 16
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Anonymous
Not applicable
‎07-03-2015 03:18 PM
‎07-03-2015 03:18 PM

Re: Ready to apply, which card?

why on earth would you want the amazon visa? its only 3 percent cash back. a store account would have yielded you 5. or discover 10. 

Message 9 of 16
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Creditaddict
Legendary Contributor
‎07-03-2015 03:20 PM
‎07-03-2015 03:20 PM

Re: Ready to apply, which card?

Unless you are in area for Amazon Fresh (grocery) like me I agree that the store is way better but the Amazon fresh doesn't allow store card use so my Amazon visa is best for that.
Message 10 of 16
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