@GabLuc wrote:Hi all,
I've been lurking here with one or two post, while I'm finishing up my mortgage process. I plan on applying for upgraded cards, as soon as we close, but before the mortgage hits my credit report.
right now, based on my FICO8, EX 660, TU 672 and 680 EQ.
my last credit card was opened in Dec 2019.
I have low limits, 2 cap 1 cards at $500, 1 Cap 1 at $300, Discover at $1500 (graduated from $200 secured to $1500 unsecured in Dec 2020), and Citi Secured $200.
3 inq- all mortgage in the past year
0% utilization
87k income
$1300 mortgage, to start in April.
I want a card to reflect grocery, gas, dining, vacation (3x a year) but I don't want unnecessary HP.
Are you a member of a credit union? If not, have you considered joining one?
CU's to join for Savings Rate now and possible Credit Products later!
Wells Fargo propel might be a good fit if your scores are close to 700 at the time of making the application.
Earn 3X points on eating out and ordering in, on popular streaming services, on gas stations, rideshares and trans, travel including flights, hotels, homestays and car rental
Asking for a card without the necessary hp is like asking if ones 6/24 does one still get another Chase card
.
Hps are part of getting new cards so not really unnecessary. There are so many cards that give rewards on those categories its not easy to recommend one without knowing what lenders interest you. Big banks and Credit Union's have many different varities. Are you looking for rotating cats or structured rewards? Johnny 5 need more input
Don't apply for anything, build your AAOA, and let your scores hit ~720...and then reconsider if you really need to worry about maxing out rewards/points at that point in your life.
Must garden until 2/1/2022 to hit my goal AAOA. 
What is holding your scores down? Any derogs?
I'd check prequalification on americanexpress.com and the Discover site. NOT Credit Karma or any other aggregator. That should give you some insight into what you might qualify for now. JMO, good luck!
