Which card should be next? 800+

[nkiszenia]

Hi all,

Have really awesome scores now and would love to get CLI or a new account to help out utilization in the future.

Here are my fico score 8:
EQ: 811
TU: 817
EX: 771 (doesn’t want me to be great)

Here’s what I have:
2 Capital One - $3k total
1 Capital OneQuicksilver - $5k
1 Capital One Spark - $10k
Southwest Chase - $11k
NFCU - $12,5k

I assume I should ask for a CLI on all these cards? If so, which one should I ask for first?

If I should get a new card, which one(s) should I get?! 🤔

[OmarR]

What/where are your primary/big spends?

Travel?

Groceries?

Gas?

Dining out?

Amazon/online/etc?

[nkiszenia]

I’m Hilton Diamond because of work but now I own my own consulting firm.

I fly southwest 95% of the time, thus that card. We love to travel(hotels and cruises). Plus we like home improvement stuff and amazon boxes are delivered almost everyday 😂 My fiancé is a chef so we like to cook and also go out to dinner. It will be more so going out over the next year because we are moving to a new state.

[Meanmchine]

Cap1 CLIs are limited to 1 increase every 6 months PER CARD so feel free to hit them all up

With your EQ score, if I were you Id say HELLO PENFED

Good luc

[SouthJamaica]

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@nkiszenia wrote:
Hi all,

Have really awesome scores now and would love to get CLI or a new account to help out utilization in the future.

Here are my fico score 8:
EQ: 811
TU: 817
EX: 771 (doesn’t want me to be great)

Here’s what I have:
2 Capital One - $3k total
1 Capital OneQuicksilver - $5k
1 Capital One Spark - $10k
Southwest Chase - $11k
NFCU - $12,5k

I assume I should ask for a CLI on all these cards? If so, which one should I ask for first?

If I should get a new card, which one(s) should I get?! 🤔

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If you want to get another card it should be one that suits your values and lifestyle, and that you will enjoy making use of. Some folks like low interest and fees, some like cash back, some like travel rewards, etc.

[SouthJamaica]

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@nkiszenia wrote:
I’m Hilton Diamond because of work but now I own my own consulting firm.

I fly southwest 95% of the time, thus that card. We love to travel(hotels and cruises). Plus we like home improvement stuff and amazon boxes are delivered almost everyday 😂 My fiancé is a chef so we like to cook and also go out to dinner. It will be more so going out over the next year because we are moving to a new state.

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Since you love to travel it would seem that the Chase Sapphire Preferred, the Chase Sapphire Reserve, or the Chase Ink Preferred would be good bets for you, so long as you haven't opened more than 4 accounts in the last 24 months.

[nkiszenia]

What’s the benefit of pen fed? What type of card should I apply for with them? I assume they are like NFCU.

Also I read that I should apply for a CLI with nfcu. I have a car loan with them and it only has 30% of the remaining balance left.

[nkiszenia]

My last card is 2 years and 4 months old, which is my southwest chase card!

I did the pre-qual and I match like 5 chase cards and tons of citi bank cards too.

I’m going through underwriting for a new house right now, so once I close I’ll apply and request CLI from everyone!

I haven’t ever asked for a CLI from Cap One, so I wonder what will come of that.

[coldfusion]

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@nkiszenia wrote:
My last card is 2 years and 4 months old, which is my southwest chase card!

I did the pre-qual and I match like 5 chase cards and tons of citi bank cards too.

I’m going through underwriting for a new house right now, so once I close I’ll apply and request CLI from everyone!

I haven’t ever asked for a CLI from Cap One, so I wonder what will come of that.

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IMO there are 2 cards you should look at:  Uber Visa for travel/dining and the Chase Amazon (Prime) Rewards for Amazon spend. You already have a Quicksilver and Spark, so you're already in decent shape for now when it comes to uncategorized spend. Since the Uber has no FSF (actually neither the Uber or Amazon card has one) it's a reasonable option for foreign travel as well.

Once you have your mortgage squared away I would suggest you apply for the new card(s) first and then request a CLI on the Quicksilver.

[Anonymous]

As for which CC you should get, only you know which one you'd use a lot and see the greatest benefit from.

Off topic, but what's the difference between your top score and bottom score credit report that's causing a 46 point variance between the two scores?