Want to apply for Capital One QS and Amazon Chase Rewards

[Anonymous]

No I didn't.  On friday I will pay down my current accounts to around a ~12-15% utilization.  Then I plan on applying.  If you think I can secure a lower interest rate by paying down the cards further, I may do that as well.

[ddemari]

Your fico might increase if u get in down to 9% or below but i would think u r probably in a good range now. Chase amazon has high apr. but since you dont have new accounts or lots of inquiries, the Chase acquistion model score
May be higher than 720s.

[Anonymous]

So you think I should just apply tonight/tomorrow?

[ddemari]

If i were u with those scores id apply if your income is decent.

[Anonymous]

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@ddemari wrote:

Plus, Chase will love that you have an Amex card, they will want your business. You seem to be in a great position for a variety of cards.

If Amazon Visa and QS Visa are what you want. Keep it 2 those two cards. Don't do what most of us do, app for everything and then not have options down the road.

Good luck.         

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Could you elaborate on not having options down the road?

[ddemari]

I meant its refreshing when someone doesn't already have a treasure trove of cards and can apply for something with a little preparation. For example, the venture visa explosion going on over the past months, I couldn't apply because i already have 5 capitalone cards.

[Anonymous]

Ah makes sense. You made me almost feel bad about getting 4 AMEX cards, which I plan to in a month or so. Don't think I'll end up with a treasure trove. But I'm just getting started as well. I just want to take advantage of these big sign ups and build history with the banks.

Looking forward to your results OP.

[Anonymous]

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@Anonymous wrote:

Did you app yet?

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LOL. This makes me giggle everytime.  I get it tho!

Anyway..OP.... whats the fuss over the chase amazon? is that the best fitting chase card for you to get in the door with chase or something? Cuz 80 bucks aint really worth it to get it.... 3 percent back on amazon and 2 percent on gas/RX/restaurants..... now if it was 3 amazon then 2 everything else...sure that would be super sweet!  

If ya spend enough at amazon, get the store card.  If not, wait for a category spend card to use.... unless ur in some amazon fresh market and need it for food not covered by amazon prime store card.

You have discover and Amex everyday. Use the discover for double cash back at amazon. Lets find better use of potentially 5 inquiries (3 for capital one and up to two for chase). What other prequal sites have you checked here?  How do you spend your money? 

[Anonymous]

Good point.  I use amazon somewhat frequently, but really I was interested in the Chase card due to the $80.  What cards do you think I should consider?  I don't spend much on gas, I spend a rather significant amount on restaurants/entertainment.  Really, I figured I'd just increase my total credit - If I'm going to apply for the Quicksilver I'd like to apply for one or more other cards to limit the hard pulls to this time peroid,

[Anonymous]

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@Anonymous wrote:

Good point.  I use amazon somewhat frequently, but really I was interested in the Chase card due to the $80.  What cards do you think I should consider?  I don't spend much on gas, I spend a rather significant amount on restaurants/entertainment.  Really, I figured I'd just increase my total credit - If I'm going to apply for the Quicksilver I'd like to apply for one or more other cards to limit the hard pulls to this time peroid,

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Well, if you can afford any of the minimum spends on the various signup bonuses..... you would get far more than $80. Have you checked the prequal sites for Chase, Capital 1, Citi, Amex, Etc?  Under terms it should say a specific APR.