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Should I...

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Anonymous
Not applicable

Should I...

Been gardening about a year and some change..Scores are 766EQ 781EX 704 TU(TELL ME ABOUT IT) Utl 24% Out of $70,000 Mostly my cap1...I wanna go for penfed,Marvel,Nfcu,Delta,Marriott,Ritz Carlton,American air,Southwest as I travel for work ALOT...

Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: Should I...


@Anonymous wrote:

Been gardening about a year and some change..Scores are 766EQ 781EX 704 TU(TELL ME ABOUT IT) Utl 24% Out of $70,000 Mostly my cap1...I wanna go for penfed,Marvel,Nfcu,Delta,Marriott,Ritz Carlton,American air,Southwest as I travel for work ALOT...


I certainly wouldn't apply for all of those at once or even in a short period of time.  I'd pick out 2 or 3 and focus your efforts on those.

Message 2 of 10
tussking
Established Contributor

Re: Should I...

Without a doubt - NFCU & PENFED ! Then maybe a travel card or two !

Discharged BK7 - 7.16.15
Current Fico8 - (8.2022) EX - 744/EQ - 728/TU - 740
Message 3 of 10
Anonymous
Not applicable

Re: Should I...

Wasn't going to for EM all...Maybe 2-4

Message 4 of 10
Anonymous
Not applicable

Re: Should I...

My cap 1 is at about 69% Utl...Do u think that would effect the outcome or should I wait till my cap 1 updates as I got it to 25% Utl

Message 5 of 10
Anonymous
Not applicable

Re: Should I...


@Anonymous wrote:

My cap 1 is at about 69% Utl...Do u think that would effect the outcome or should I wait till my cap 1 updates as I got it to 25% Utl


I would wait for it to update.

Message 6 of 10
Anonymous
Not applicable

Re: Should I...

Probably a good idea to pay down first
As my mom used to say
If in doubt...chicken out!
Message 7 of 10
creditguy
Valued Contributor

Re: Should I...

Pick one from each category for now i.e. Airline, Hotel and dining and add a new card every six months or so to prevent too much damage. Keep in mind that there is some evidence chase 5/24 has taken effect on some co branded cards so app accordingly.
Message 8 of 10
Anonymous
Not applicable

Re: Should I...


@creditguy wrote:
Pick one from each category for now i.e. Airline, Hotel and dining and add a new card every six months or so to prevent too much damage. Keep in mind that there is some evidence chase 5/24 has taken effect on some co branded cards so app accordingly.

Agreed. 

Message 9 of 10
RonM21
Valued Contributor

Re: Should I...


@tussking wrote:

Without a doubt - NFCU & PENFED ! Then maybe a travel card or two !


+1

I'd personally start with these also



Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 10 of 10
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