Hello everybody, Currently I have ex and TU on ice and would like to use Equifax to apply for a new card, just curious what I have the best chance for getting approved with a decent credit limit,
692 equifax (my Fico) I have 6 inquiries but only 3 within the last year, none within the last 6 months, I have 8 open accounts no late payments, all are between 7 months and 1 year 3 months old, capital one $5000 7 months old capital one plat $1000 1 year 3 months old finger hut $1800 10 months old marathon (comenity) $300 8 months old first premier $300 1 year 3 months old, and a couple small secured cards around 1 year old, nothing bad except some late payments on 2 student loans that are almost 7 years old, but when I log I to equifax using the back door they don't come up under the negative section, my AAOA is about 4 years utilization 7% any ideas what I should apply for, I really don't want to waste any hard inquires? Any input is appreciated 
heres a few I was thinking about
discover it
fuel rewards master card (comenity)
sportsman guide (comenity)
capital one (venture one)
@Cherokee_X wrote:Hello everybody, Currently I have ex and TU on ice and would like to use Equifax to apply for a new card, just curious what I have the best chance for getting approved with a decent credit limit,
692 equifax (my Fico) I have 6 inquiries but only 3 within the last year, none within the last 6 months, I have 8 open accounts no late payments, all are between 7 months and 1 year 3 months old, capital one $5000 7 months old capital one plat $1000 1 year 3 months old finger hut $1800 10 months old marathon (comenity) $300 8 months old first premier $300 1 year 3 months old, and a couple small secured cards around 1 year old, nothing bad except some late payments on 2 student loans that are almost 7 years old, but when I log I to equifax using the back door they don't come up under the negative section, my AAOA is about 4 years any ideas what I should apply for, I really don't want to waste any hard inquires? Any input is appreciated
heres a few I was thinking about
discover it
fuel rewards master card (comenity)
sportsman guide (comenity)
capital one (venture one)
Discover It.
Avoid Comenity.
You could also try DCU. They only pull EQ. With a 692 you would very likely get approved for 5k, possibly 7500 depending on your current util and whether you have any baddies.
Starting score 3/30/13: 570s across the board
@Cherokee_X wrote:Hello everybody, Currently I have ex and TU on ice and would like to use Equifax to apply for a new card, just curious what I have the best chance for getting approved with a decent credit limit,
692 equifax (my Fico) I have 6 inquiries but only 3 within the last year, none within the last 6 months, I have 8 open accounts no late payments, all are between 7 months and 1 year 3 months old, capital one $5000 7 months old capital one plat $1000 1 year 3 months old finger hut $1800 10 months old marathon (comenity) $300 8 months old first premier $300 1 year 3 months old, and a couple small secured cards around 1 year old, nothing bad except some late payments on 2 student loans that are almost 7 years old, but when I log I to equifax using the back door they don't come up under the negative section, my AAOA is about 4 years utilization 7% any ideas what I should apply for, I really don't want to waste any hard inquires? Any input is appreciated
heres a few I was thinking about
discover it
fuel rewards master card (comenity)
sportsman guide (comenity)
capital one (venture one)
Where did you get each of the credit scores you list in your signature, and how old are the scores?
If you aren't choosing cards with rewards, then you are wasting HP's. Why collect a bunch of cards that you eventually will close?
