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What Credit Card...

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jd403
Regular Contributor

Re: What Credit Card...


@Burned2manybridgesB4 wrote:

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.'


Uh, thought I disclosed that in my original post.  I had a lien that was fully paid in 2011.  It's due to come off in 2018

FICO 8: TU 716 EX, 718 EQ 721 (10/19/21)

Discover IT $10.5k, Citi AA $10.8k , Cap One QS - $6.3k, Amex Optima - $4k Kohl's - $3k, M-Life MasterCard $8k, Amex Delta Gold $16.5k
Message 11 of 18
Burned2manybridgesB4
Valued Contributor

Re: What Credit Card...


@jd403 wrote:

@Burned2manybridgesB4 wrote:

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.'


Uh, thought I disclosed that in my original post.  I had a lien that was fully paid in 2011.  It's due to come off in 2018


Saw the phrase 'no bad debt.'

Message 12 of 18
SouthJamaica
Mega Contributor

Re: What Credit Card...


@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


My first choice would be Cap One Quicksilver or Barclay Rewards.


Total revolving limits 650200 (530700 reporting) FICO 8: EQ 708 TU 714 EX 715

Message 13 of 18
SouthJamaica
Mega Contributor

Re: What Credit Card...


@jd403 wrote:

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


Great.


Total revolving limits 650200 (530700 reporting) FICO 8: EQ 708 TU 714 EX 715

Message 14 of 18
jd403
Regular Contributor

Re: What Credit Card...

I applied for DiscoverIT and it asked me to upload proof of current address and proof of social security #.

 

Is this a good sign?  I uploaded and the next screen just said 

 

Discover® Card Application
Discover Card
Thanks for applying.You've made a great decision.

 

Here's what's next:
Your documentation was successfully uploaded.

Please allow 5-7 business days to process your application. We'll call if we have any questions.

If your application is approved we'll send you a welcome e-mail.
FICO 8: TU 716 EX, 718 EQ 721 (10/19/21)

Discover IT $10.5k, Citi AA $10.8k , Cap One QS - $6.3k, Amex Optima - $4k Kohl's - $3k, M-Life MasterCard $8k, Amex Delta Gold $16.5k
Message 15 of 18
jd403
Regular Contributor

Re: What Credit Card...

Applied for Discover IT on Saturday night and was asked to provide proof for address and my SS#. Uploaded that yday and this morning got a call. Answered a couple of questions and was approved for a $6.5k SL.

Was worried about my EQ score but sailed through.

TU 686 EX 683 EQ 643
FICO 8: TU 716 EX, 718 EQ 721 (10/19/21)

Discover IT $10.5k, Citi AA $10.8k , Cap One QS - $6.3k, Amex Optima - $4k Kohl's - $3k, M-Life MasterCard $8k, Amex Delta Gold $16.5k
Message 16 of 18
SouthJamaica
Mega Contributor

Re: What Credit Card...


@jd403 wrote:
Applied for Discover IT on Saturday night and was asked to provide proof for address and my SS#. Uploaded that yday and this morning got a call. Answered a couple of questions and was approved for a $6.5k SL.

Was worried about my EQ score but sailed through.

TU 686 EX 683 EQ 643

That's great. That's a higher CL than I have after 1 1/2 years with those characters.


Total revolving limits 650200 (530700 reporting) FICO 8: EQ 708 TU 714 EX 715

Message 17 of 18
jd403
Regular Contributor

Re: What Credit Card...

I was completely surprised at the SL. Now I'm wondering if I should go for the Citi Aadvantage card or take a break. Lol
FICO 8: TU 716 EX, 718 EQ 721 (10/19/21)

Discover IT $10.5k, Citi AA $10.8k , Cap One QS - $6.3k, Amex Optima - $4k Kohl's - $3k, M-Life MasterCard $8k, Amex Delta Gold $16.5k
Message 18 of 18
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