What Credit Card...

[jd403]

...gives tme the best chances of being approved?  My current FICO 8 scores are TU 686, EX 683, EQ 643.

I have no bad debt, one 30 day late from last year and a paid in full and released lien from 2011.  I just bought a house in March and that mortgage loan is already showing on my reports.

I currently have Cap One Pl $2800 CL, Amex Optima $1000 CL and Kohls $700 CL

[RonM21]

I'd first eliminate lenders that pull EQ, since it is 40 points lower. Some of these lenders double pull like Citi, or even triple pull like Cap1. You'll want to take that into account also.

[SouthJamaica]

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@jd403 wrote:

...gives tme the best chances of being approved?  My current FICO 8 scores are TU 686, EX 683, EQ 643.

I have no bad debt, one 30 day late from last year and a paid in full and released lien from 2011.  I just bought a house in March and that mortgage loan is already showing on my reports.

I currently have Cap One Pl $2800 CL, Amex Optima $1000 CL and Kohls $700 CL

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Capital One Quicksilver, Barclay Rewards.

[jd403]

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@RM21 wrote:
I'd first eliminate lenders that pull EQ, since it is 40 points lower. Some of these lenders double pull like Citi, or even triple pull like Cap1. You'll want to take that into account also.

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Is there somewhere I canlook for cards that don't pull EQ?

[Anonymous]

I would first get on chat with Cap1 and ask if you can get rewards added to that platinum card.

Next, what do you want a card for? Groceries, dining out, general spend, home improvement, cash or miles, no FTF, annual fee.......

There are a lot of cards out there you can get with your EX and TU scores, but what exactly do you need?

Do you belong to any CU's? Any banking relationships to leverage?

Your post is too general, if you give us some idea what you're looking for, many folks can chime in with some great suggestions.

[jd403]

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@Anonymous wrote:
I would first get on chat with Cap1 and ask if you can get rewards added to that platinum card.

Next, what do you want a card for? Groceries, dining out, general spend, home improvement, cash or miles, no FTF, annual fee.......

There are a lot of cards out there you can get with your EX and TU scores, but what exactly do you need?

Do you belong to any CU's? Any banking relationships to leverage?

Your post is too general, if you give us some idea what you're looking for, many folks can chime in with some great suggestions.

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I'm looking for a cars that let's me earn rewards/miles and that can grow over time.  I prefer no annual fee but it isn't the end of the world.  I bank with Wells Fargo but they are so bad I'd like to stay away from them.

[Anonymous]

Probably Barclays or a Synchrony card as they almost exclusively pull TU, venture one would be a choice the effects of an inquiry would be gone in 6-12 months and you'd only lose 3-5 points for an inquiry at most.

[Anonymous]

Forgot to mention Barclay rewards as I hear it's fairly easy to get.

[jd403]

I contacted Cap One and they upgraded me to the QS w/ 1.5% cash back

[Burned2manybridgesB4]

Uh....

Is anyone going to ask OP what's dragging their scores down? 

Showing a bk, judgement, CO, etc etc etc... affects how specific lenders will greet you with open arms, not just 'scored this.'