Suggestions on what to apply for??

[Anonymous]

I did pay  off my  boa cc  today to, I may wait untill it post on my credit report too, it may be a really good idea, it may boost my credit score few more  points.

any suggestions????

[Creditaddict]

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@Anonymous wrote:

ok, Im going to do that next week monday or tuesday, today I just requested  a cli on my 500$ capital one  cc , I'm going to wait and see the outcoming is.  

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unless you did it through EO, onine if it's not instant it's declined.

This Chase Freedom would replace half of the cards you have in my opinion.

I would close Merrick, Credit One, Both First Premier, Cortrust and maybe even capital one if you have one that has an annual fee.

[Anonymous]

yes its a good idea to closed all the small cc, I did apply fot the cli on line, any one have the back door number of capital one so i can call I find ouot about the cli and maybe recom if it is declined?

[mikelo22]

Since you're already preapproved, definitely go for the Chase Freedom. Chase's Prequal site tends to be very accurate.

[Creditaddict]

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@Anonymous wrote:

yes its a good idea to closed all the small cc, I did apply fot the cli on line, any one have the back door number of capital one so i can call I find ouot about the cli and maybe recom if it is declined?

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messaged you the number

[Anonymous]

Apply for the Freedom. If you get approved, I would close everything with less than $1000 limit and anything with an annual fee. If the QS has an annual fee, you're only getting 0.5% over the freedom, you'd have to spend more than $7800 per year on the QS that would otherwise be 1% (as opposed to 5%) in order to justify the fee. No annual fee card, just leave them open to help your utility and AAoA.

[Anonymous]

ok kool,

look at my profile at the begining of the topic and let me ask you a question,

do you really thinkg that i have a shot to get approved for the freedom card?

[Anonymous]

Anecdotal evidence is that Chase's online pre-approval screen is pretty accurate. I think you have a reasonable chance. However, regardless of whether you succeed or not, I would refrain from applying for more credit for six months (after you apply for the Freedom, of course)

[Anonymous]

ok, thats sounds good,

let me ask you another question:

whats about amex bce or discover it?

[Anonymous]

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@Anonymous wrote:

First of all, I would like to say thank you to everyone!!!

My scores are as follow:

EQ = 667 tax lean filed on 06/2007   2 hard pulls

TU = 656  by credit karma no badies on it  4 hard pulls

XP = 658 tax lean filed on 06/2007   1 hard pull

1st premier bank  cc  limit  350$- 100$ balance opened it  on 07/2008- 1  late on nov 2013

1st premier bank  cc  limit  275$-  50 $ balance opened it on 03/2008-  never late 

cap 1 cc                       limit  2500$- balance 1330$ opened it on 01/2009-  never late 

cap 1 cc                       limit  500$- balance 6$  opened it on 07/2008-   never late 

boa cc                          limit  500$- balance 6 $ opened on 03/2012-  never late 

gfcu cc                          limit 5000$- balance 678$ opened on 02/2000- 1 late on 02/2011 

barclays cc                  limit 1500- balance 0$ opened on 11/20/2014- just opened it

cortrust cc                    limit 450$- balance 100$ - never late 

credit one bank          limit 1450$- balance 750$  closed by ceditor - never late 

1st franklin fiancial    personal loan 900$- never late 

merrick bank cc          limit 1150$- balance 0$ closed- never late  (closed by creditor)

  what card should I look at getting next with my scores and credit ?

 chase freedom?, amex bce?, dicover it?

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http://ficoforums.myfico.com/t5/Credit-Cards/what-should-I-do-next/m-p/3664466