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Which card should I apply for?

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Anonymous
Not applicable

Which card should I apply for?

I applied for Uber and Penfed credit card yesterday. I want to apply for one more. I am looking for Wells Fargo, BOA, or Capital One Savior. I have a BK on file from May 2017. Which one do you think is more BK friendly? 

Message 1 of 13
12 REPLIES 12
AverageJoesCredit
Legendary Contributor

Re: Which card should I apply for?

Cap One

Message 2 of 13
Cred4All
Valued Contributor

Re: Which card should I apply for?


@AverageJoesCredit wrote:

Cap One


I agree with AJC... knowing you'll take that triple HP.


Message 3 of 13
Anonymous
Not applicable

Re: Which card should I apply for?


@AverageJoesCredit wrote:

Cap One


Capital one is easy to get but Savor is their prime card. You think I got a chance with BK? 

Message 4 of 13
Anonymous
Not applicable

Re: Which card should I apply for?

Savor is probably the easiest on that list. 

Check the prequal and see if it's there. 

Message 5 of 13
Anonymous
Not applicable

Re: Which card should I apply for?


@Anonymous wrote:

Savor is probably the easiest on that list. 

Check the prequal and see if it's there. 


I don't prequalify for any product. 

Message 6 of 13
M_Smart007
Legendary Contributor

Re: Which card should I apply for?


@AverageJoesCredit wrote:

Cap One


You feeling OK Joe?

Message 7 of 13
Anonymous
Not applicable

Re: Which card should I apply for?


@Anonymous wrote:

@Anonymous wrote:

Savor is probably the easiest on that list. 

Check the prequal and see if it's there. 


I don't prequalify for any product. 


If you don't prequalify, there's a high chance you will be declined. I wouldn't risk it for a triple pull. 

Message 8 of 13
Anonymous
Not applicable

Re: Which card should I apply for?


@Anonymous wrote:

... I wouldn't risk it for a triple pull. 

Nor would I. 

 

As someone who is with the three lenders inquired about, I'd rank them : BoA, BoA, Boa, with the other two being a (distant) toss-up. For me, a deciding factor is Cap1 costs 3 HPs to approve (or deny) and tends to bucket. Others might feel differently.

 

 

 

 

Message 9 of 13
Anonymous
Not applicable

Re: Which card should I apply for?

I third that! I'd leave Cap1 alone until you start getting prequals at least. Not worth those HP's.

Message 10 of 13
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