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Which bt. Card could I qualify for? Boa. Disco. Amex us bank Citi?1 more card then garden for 1 year

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Established Contributor

Which bt. Card could I qualify for? Boa. Disco. Amex us bank Citi?1 more card then garden for 1 year

In July or August I want to maximize my approval chances for a higher limit Bt. Card.
I have about 710 tu, and ex. I'm at 26% UTI.
Aooa. 21 months(paid closed Auto loan)
Aaoa- 9m
Oldest cc-1 year
Inquiries- 4 tu 2 fall off in 2 months other 2 from December/18, too many Experian but after June will be 5 ( in past year)
Only difference in reports is my oldest account is only on Experian and number of inquiries.
No lates on any reports.

This summer I want to get a higher limit card than the ones in my signature s. Or at least match $3000 dcu visa
I can keep my ex. Frozen since boa will then pull tu.
But I graduate 1 year disco end of May.
Im pretty sure Discover will pull my Experian.
I'm looking for basically what Discover it 5% cash back card offers(I have the 2% version that was unsecured after 8th month)
But Bt. Part is most important

I am worried about Amex as I've been turned down 3 * last was 2 months ago. Not enough credit card Experience. To many inquiries

Any suggestions would be greatly appreciated as to Wich card I have good odds for.
If I had to I could wait until September. But don't know if the1- 2 extra months would mater

I pre-qualified for Amex and us bank cards when my utilization was 5 tried Amex was denied.
Of course I'll check my pre qualification s b4 app
Thank you I've learned to research and all of my research is with my FICO!!! Site is the best
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 95000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-9000CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800


Message 1 of 4
3 REPLIES 3
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Community Leader
Super Contributor

Re: Which bt. Card could I qualify for? Boa. Disco. Amex us bank Citi?1 more card then garden for 1

Just received my first CC handled by Comenity. I must say the website layout and the ease of setting it up blows away many of my other lenders. The BT they offer, is the best I've seen! And I have a lot of FIs in my wallet.
I know they have a bad rep around here. But as of now, I'm very impressed!

Don't go crazy getting a bunch of their CCs. Get one and cuddle it.

This is the current BT offered on the William Sonoma Visa.

Screenshot_20190303-111536.png



My most prized tradeline.
Message 2 of 4
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Established Contributor

Re: Which bt. Card could I qualify for? Boa. Disco. Amex us bank Citi?1 more card then garden for 1

This is a card you think I would be able to get?
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
TOTAL PERSONAL CL 95000+
Amex Green
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-9000CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800


Message 3 of 4
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Community Leader
Super Contributor

Re: Which bt. Card could I qualify for? Boa. Disco. Amex us bank Citi?1 more card then garden for 1

Mainly a suggestion, there are no guarantees. You mentioned a BT card. 

Looks as though your credit history is very young. Comenity seems to cater to those with a young credit history but fairly clean CRs.

I'm not sure if you'd qualify for the Visa version. Which is the one you'd need in order to use for BTs.

 



My most prized tradeline.
Message 4 of 4
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