Starting High Limit Credit Card suggestions?

[AllZero]

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@Anonymous wrote:

I do have a credit union I haven't done much business with. GO FCU, they don't have a lot of offerings last time I checked. I can visit with them, I believe they pull my report without impacting my score and if so they can give me an idea of what I qualify for I suppose.

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There's also Randolph-Brooks Federal Credit Union and Security Service Federal Credit Union.

[Anonymous]

Try Discover prequal site

[CreditInspired]

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@Anonymous wrote:

This is my first post on the forum, new to the community after reading a ton of great threads.

I'll get right to it. I started rehabbing my credit a year ago. March 15th 2019 my TU was 601 and is now 717. And EQ was 692, now 768. In that time frame I have 5 inquiries. One for a mortgage lender I was in the process of looking for a home as an investment but eventually backed off. I was pre-approved for FHA at 215k I believe. After that I opened up my first unsecured card after 4yrs of only having a secured WF card. My secured card had a $700 limit, now it is unsecured for $900. However my newly approved card, at the time March 2019, was with Capital One for $1500, it's been upgraded twice. The first time by $3000 and the next time an additional $1500 for a total limit of $6000. In September of 2019, I applied for another Capital One card and was approved for a $3000 limit now $3500. So in December 2019, I applied for a Citi Double Cash with a limit of $6900. In January I wanted to see if Wells Fargo would raise my limit more than $200 so they did a hard pull and denied my increase and at that time my FICO was a 730! I didn't understand it or take the chance to see what new card I could be offered if they weren't going to increase my current limit, which by the way I still think is a joke.

Because I am going to pay off my car soon and lose that 4yr+ history, I want to add another card to reduce my utilization % and have an account that I can keep open virtually forever.

I have a combined limit between 4 cards of $17,300 with a $1500 balance on one card at 0% for 18mo.

If I am going to apply for another card I want to know if I should hold off since I've read about 5/24 rules etc?

I bank with Chase and their app has me "Pre-Approved" for a 3k limit with an interest rate that I'm not too interested in, but I don't tend to keep balances overall. 

Citi gave me the highest intro limit so far at $6900. I'm not sure if I'll be able to get a card with that same limit or higher? Suggestions? By the way all my cards have no annual fee, I am being cost conscious about that right now.

AAoA (TU) - 5yrs 8mo

TU - 717

EQ - 768

FICO 3 - 739

Current Credit Cards:

WF Platinum Visa - $900

Capital One Venture One - $6000

Capital One QuickSilver - $3500

Citi Double Cash - $6900

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Are the TU and EQ FICO scores? If no, what are they?  What is your EX FICO score?

[CreditInspired]

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@AllZero wrote:

Where are you obtaining your scores? Are they FICO 8? What about your Experian score?

$1 you can obtain your 3 bureau FICO 8 reports at Experian.com or creditchecktotal.com. Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

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Same questions I asked 😁. 

[Anonymous]

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@Anonymous wrote:

Try Discover prequal site

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I tried this morning and I keep getting the "Oops something went wrong" page. I will try again later at some point.

[Anonymous]

To echo the above, ignore the CK scores. They're not the ones used by lenders. Www.creditchecktotal.com - get all three FICO scores and go from there.

Also, to address your loan statement - if you pay off the loan, that's great. But you won't lose it. It'll stay for up to ten years on your reports as a closed, good tradeline and will continue to contribute to your age factors.