Welcome to the myFICO forums!
@Anonymous wrote:
Hello everybody im new to this forum and i Find it couple days ago this website i understand a lot about credit after reading here for couple days. first want to thanks everybody for help that you give here. and i would like to get advise
I will start from data points.
My fico scores
Experian shows 758
Transunion shows 736
Inquiry’s
Experian - 8
Equifax - 2
Transunion - 7
In last 12 month i have 5 inquiry’s and that is 4 from car buying and 1 from credit line increase
Accounts
Amex Mercedes limit 8300 balance 1100
Amex delta sky mile limit 20k balance 500 i just increased it from 9500 to 20k
Citi diamond limit 11400 balance 400
BOA travel rewards limit 14400 balance 2500 just increased from 7200 to 14.4K
Amex macys limit 5500 balance 400
Just increased it from 4k to 5.5k
Synchrony banan republic limit 8k balance 300 just increased from 4k to 8k
Synchrony guitar center limit 3k balance 1100
Bestbuy limit 10k balance 8k
Citi costco limit 2k balance 250 i aaked for CLI the increased for 1k only with soft pool
Bloomingdales limit 7500 balance $67
Just increased it from 1500 to 7500
My utilization on experian shows 24%
I would like to get CSR and couple business credit cards i would like to get advise if i will get approved for them with my current credit?
I have balance on bestbuy because I purchased couple think with 0% for 12 month the rest of the cards i use them a lot
On guitar center i buy saxophone and got deal 0% for 12 thats why balance is high considered to limits
I want to get some cash back cards and travel cards also the credit line increases doesnt show on credit report yet i just did it on friday thank you
Welcome to the forums.
Are you going to use the cards for business? If so, I would recommend the business version of some cards (depending on if you have a business and so forth). If you are using the cards for business purposes but will be under your personal name, depending on the usage, there's a wide variety of cards out there. As you mentioned - CSR - a few others - Amex Plat, US Bank Visa +, Citi World Elite MC, Delta Reserve, CSP, Altitude Reserve, and more. If you are looking primarily at CB cards - there's Discover IT and Chase Freedom(5% quarterly changing categories) or a set % like Citi DC/Paypal 2% (both are 2% CB). In the end, it depends on which route you would like to take.
Also - please advise of income (if you are okay with sharing here), AAoA and any other necessary data points that will help gauge what is worthwhile and what is not.
