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WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

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Anonymous
Not applicable

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

i have one. yuck
Message 21 of 31
12njoy
Super Contributor

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

I love wells Fargo because they have been generous with me.   They gave me my highest line of $37,500.  Rewards are not valuable as mentioned

(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
___________ 12Njoy
FICO - EX 825; EQ 807; TU 810 I'm climbing back to 800+
Message 22 of 31
Anonymous
Not applicable

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

i meant structure, not stricter. sorry
Message 23 of 31
Anonymous
Not applicable

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

i really just wanted one because  i have a pretty good banking relation ship with them .....i started rebuilding my credit with them 3 years ago with a 300 doller secured card .......that the only reason why ..not for the points just for a good limit ......

Message 24 of 31
Anonymous
Not applicable

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

you can get good limits mixed with better rewards elsewhere for the same hard pull. i won't talk you out of it but i think you should evaluate your goals and get cards based on that Smiley Happy
Message 25 of 31
Anonymous
Not applicable

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

please inform me of those creditors ........for some reason i respect your advice ......but my scores will only  be at the 700 mark when i start applying ......

another question ....someone brought to my attention ..........who are the prime lenders on the same level as CAPITAL ONE?  

Message 26 of 31
Anonymous
Not applicable

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

the venture you want will give you probably 150-175% of what wells will.
Message 27 of 31
Anonymous
Not applicable

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

here's something to keep in mind too: a few of those cards can be condensed into one card meaning the fuel rewards card, BofA (assuming you're referring to their cash rewards card), and the chase amazon card can all be virtually replaced with one card: the barclay sallie mae. you get 5% cash back on gas (up to $250 a month), 5% cash back on groceries (up to $250 a month) and 5% cash back on bookstores, to include amazon (up to $750 a month)
so that one card can save 3 unnecessary card applications. the only category you're losing from those three if you went with the sallie mae is the 2x points on out to eat food from the chase amazon.
a good quick fix to that is getting your discover it card (which you want anyway) because you get a quarter of the year where your out to eat purchases reward you with 5% cash back and if you get the card before september 30 of this year then you're enrolled in their double cash back promotion so the 1% cash back you get on everyday purchases (to include out to eat purchases when not in a 5% cash back category) gain you 2% back instead of 1%, thus 100% eliminating the need for the chase amazon for at least a year.

also with the discover you may lose the need for the orbitz because in their discover deals (their online shopping for deals within the app or online through their site) you periodically get 5-15% cash back or a savings of $120 or an immediate 15% discount on travel (including orbitz) and with their double cash back then you can get 10-30% back from it. right now they have that deal going on and many others including department stores such as khols and dillards

just look before applying and wasting apps and your time Smiley Wink
Message 28 of 31
12njoy
Super Contributor

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

Have you thought about amex bcp?  It's one of the best rewards card out there with 6% on groceries up to the first $6,000.  It also offers 3% on gas and I think another category.  I have two bcp's to maximize cash back.   

(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
___________ 12Njoy
FICO - EX 825; EQ 807; TU 810 I'm climbing back to 800+
Message 29 of 31
Anonymous
Not applicable

Re: WHAT IS YOUR PERSONAL APP SPREE LIST....WHO WOULD YOU APP FOR FIRST 1-10

3% on gas and department stores.
Message 30 of 31
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