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Which card should I apply for?

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SouthJamaica
Mega Contributor

Re: Which card should I apply for?


@Anonymous wrote:

AMEX pulles EX only.

Chase pulled EX & TU.

Ebates I am not sure yet, but I think TU only.

 

Why should I wait for scores to update the new cards?

also, does it really matter if the next two cards I am planning to app will pull EQ?


Interesting that Chase did a double pull. Everyone criticizes Cap One for that, never before heard of someone mentioning Chase does that too.

 

Your scores are going to take a dip with the inquiries and lower average age of accounts If it were me, after just adding 3 good cards like that, I'd hold off for awhile. Some creditors frown on overly aggressive acquisition of new credit. Some will even take adverse action, like reducing a limit or even closing one or more accounts.

 

 


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 11 of 15
Anonymous
Not applicable

Re: Which card should I apply for?

FINAL UPDATE!!!

I am super excited and super proud of the resulsts.

Still waiting for US Bank CLI request. I will update that on Wednesday.

Credit Card                             New Limit             Old Limit              Available Credit                         Credit Bureu

Chase Sapphire Pref        $     28,000                                               $     28,000                                 TU & EX

AMEX Everyday                   $     15,000                                               $     15,000                                 EX

Ebates                                 $     10,000                                               $     10,000                                  TU

Barclays Wyn Rewards    $     15,000                                               $     15,000                                  TU

CITI Double Cash             $     12,000                                               $     12,000                                   EQ

Total Rewards Visa          $     18,000                                                $     18,000                                  EQ

Discover                             $     10,500            $         6,000              $     10,500                                   TU (CLI)

EDIT: BB&T Bright             $      8,500                                                $       8,500                                    EQ

I think I am done for the next 6-12 months!

Message 12 of 15
bodyboy1
Established Contributor

Re: Which card should I apply for?


@Anonymous wrote:

I have finaly got my socres where I need them to be.

EX 826 EQ 785 TU 757 (TU and EQ will also go up in a week, once my payments report)

 

I am in the market for 3-4 new cards. My main goal is to get cards with the highest limits.

I don't care about interest rate, however I do care about initial offers (bonus $, bonus points, 0% period...)

But highest credit limit is my priority.

 

Below is what I currently have:

 

Chase Freedom - $17,000

AMEX BC - $12,000

Discover IT - $6,000

US BANK - $6,000

Cap One Venture MC - $4,250

TD BANK VISA - $3,400

Cap One VISA - $2,000

Chase Ink (Busines) - $6,000

 

Utilization - Less than 3%

Income $140,000

EX 826 EQ 785 TU 757 (TU and EQ will also go up in a week, once my payments report. Experian already reported the payments)

 

WHAT CARDS SHOULD I APPLY???


>   Congrats with all your stuff!   you & i have the same income..    you can pretty Much get What you want.. >  Yes i'm sure Everyone else will have good ideas What you should do!   but you can't listen to everyone.     Check Capital One(Pre-Qualifier) Every other Day for Venture (check excellent credit/travel)   App for Venture  you'll get $15/$20K    > JPMorgan/chase Ritz!   & You are Entiled to get 1 More Amex up to $17k    (2) Amex total $34k   even if u get a low scl with Amex $5k>? after 90 days u can 3x it!  > even when people have more than 2 Amex's  it takes a while (Everyone is diff)..   Don't Waste your hard pulls/Have fun!...  listen to all the sugestions,  i just remembered i think with Chase no good if u have 2 many new acct's within a certain amount of time..  Smiley Happy      1 more Amex card, Check Cap 1 prequal!

Amazon 5K. AMEX PRG 35kPOT./AMEX MAG 15k. BARNEYS 28.7k. Banana. BAO. CITI Bestbuy/Bloomies 15k/Diamond/Thanku/Macy's 15k. Chase/Freedom. DiscoveriT 13.5K/Chrome. FRONTGATE 4K. Jetblue 5.7K. JCrew 7k. JCPenney 5k. Ring 10k. Sear's MC 11.3k. SAKS 5K SamsClub 10K. Target MC 8.4k. Walmart 6k. Wayfair 4.8k... be good to yourself!
Message 13 of 15
Anonymous
Not applicable

Re: Which card should I apply for?

I already have another AMEX (blue cash $12000)

I also have Cap One venture w/ $4250 credit line, but i dont like cap one much, so i am not sure if i will app for cap one.

Message 14 of 15
bodyboy1
Established Contributor

Re: Which card should I apply for?

  > Hoping you find what you Want.

Amazon 5K. AMEX PRG 35kPOT./AMEX MAG 15k. BARNEYS 28.7k. Banana. BAO. CITI Bestbuy/Bloomies 15k/Diamond/Thanku/Macy's 15k. Chase/Freedom. DiscoveriT 13.5K/Chrome. FRONTGATE 4K. Jetblue 5.7K. JCrew 7k. JCPenney 5k. Ring 10k. Sear's MC 11.3k. SAKS 5K SamsClub 10K. Target MC 8.4k. Walmart 6k. Wayfair 4.8k... be good to yourself!
Message 15 of 15
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