Which card to app, if at all?

[Anonymous]

I'm wanting a new card to continue my re-build as I currently only have one CC(cap 1 qc - $750)

I'm down to these two:

PNC Cash Rewards Visa- I've banked with them for years and have never recieved a thing from them until now. I've gotten letters, and also had it mentioned to me in person. I checked their pre-selection thing on the website and it listed 3 cards. The one that was 'suggested' was a points card that I'm not interested in however the Cash Rewards card was listed with a wide range of APR's(13-23%), however all 3 cards had wide ranges.

USAA Rewards AmEx - I'd received multiple secured offers in the past but I wasn't interested. Now they're sending letters and emails for this card as well as a pre-selected offer on the website when logged in. Mentioned 0% til 2/19 and exactly 16.9% after.

I should mention all my baddies are CC related(perfect CR otherwise), I'm currently sitting at TU-670 EQ-657 EX-619(not reflecting recent collections removal yet)

Thoughts on likelihood of approval on either? I honestly don't care about the SL, just want more good payments on my side.

[Anonymous]

Amex pulls EX and that's your lowest score, so I'd steer clear of that until your EX score is in the ballpark of your other 2.

[Anonymous]

I think you probably have a better chance applying for the PNC card at your local branch where you bank, I would also wait for the collection removal to update on all your reports before doing so.

[Anonymous]

Congrats on understanding that the SLs isn't the objective of rebuilder accounts ...get payment history and aging working for you good mindset

Best of Luck