What Should I app for.

Anonymous514 · ‎03-04-2015

Credit Scores are below. Account Limits are below. AAOA 6months. Oldest Account 8 Months. Newest Account 4months. Based on these and my current credit scores what would be some good cards to app for besides the ones I already have. I am thinking the Amex BCE?

CFNA Firestone Credit Card 3,200$ March 2020

BCU Cash Rewards Visa 15,000$ December 2020

Capital One Savor One (PC from Walmart MC) 3,000$ May 2022

Amazon Prime Store Card 10,000$ October 2022

Capital One Savor One 30,600$ November 2022

Sam's Club MasterCard 15,000$ February 2023

Huntington Bank 1.5% CB 500$ January 2024

Amex Blue Cash Everyday (PC from BCP may upgrade again) 3,000$ May 2024

Amex Blue Business Cash 2,000$ March 2025

Amex Amazon Prime Business card 3,500$ July 2025

Anonymous · ‎03-04-2015

I suggest gardening until AAoA is 1yr.

Anonymous514 · ‎03-04-2015

Umm I'm not gardening

Anonymous · ‎03-04-2015

Venture! Cap One is giving away $10K credit lines to anybody!

Anonymous · ‎03-04-2015

@bigalkescott514 wrote:
Umm I'm not gardening

What's the rush? With your AAoA, you're not getting any decent limits and your odds of appoval drop. Let your accounts sit around for 6 months or so, then you can open a relationship with Amex. If that's not good enough, check Amex prequal page. We can't guarantee approval, which is why Nixon and I recommend gardening, but if you do get in with Amex, with proper care of your accounts your limits should grow nicely.

Anonymous · ‎03-04-2015

Gardening is a good way to turn frowns upside down (Denials would be more likely to be approvals)

OP, why so averse to gardening?

Anonymous · ‎03-04-2015

@bigalkescott514 wrote:
Credit Scores are below. Account Limits are below. AAOA 6months. Oldest Account 8 Months. Newest Account 4months. Based on these and my current credit scores what would be some good cards to app for besides the ones I already have. I am thinking the Amex BCE?

If you really want to apply for something apply for chase freedom, but I don't think you'll get it. Your accounts are still a bit new. I had to deal with new accounts for a long time. It takes a lot of patience to get new cards. I made the mistake last year of applying for cards that I wasn't ready for and wasted a lot of time doing it. You already have Discover It, so that's a good card that will grow with you. Don't worry too much about opening new cards though.

Anonymous · ‎03-04-2015

Anonymous · ‎03-04-2015

^ What the hell, Cap One only gave me $10,000 on my QS. That was after 6 months of gardening

Edit: at least my APR is a shiny 22.99%

Anonymous514 · ‎03-04-2015

Lol too bad that 50,000 page was edited you can tell