Which cards should I apply for?

Anonymous · ‎07-13-2015

I have a 637 EQ, 694 TU, and 697 EX, and was thinking about doing an app spree.

I currently have 3 CU cards (2500 and 5000 limits), one is secured with a $500 limit. I did a pre approval on ths Chase site, and the Slate came up, then Freedom. I'm also considering Discover it, BoA, and a Cap One card. Any othere with a high rate of approval with my scores?

Any help would be appreciated

Anonymous · ‎07-13-2015

My scores were pretty similar when I got the Discover IT and Chase Freedom. Discover seems ok with thin files, so maybe try them first, although the EQ is a little low, not sure what they will pull.

Anonymous · ‎07-13-2015

Which cards do you have now? I would go for AMEX (if no Ch7), Freedom, Capital One in that order...you should do the 2 or 3 internet tab option. Remember Cap1 does HPs on all 3 CBs.

Anonymous · ‎07-13-2015

Thanks. My EQ will go up, hopefully on my next report. I have 3 collection pfd coming off my report.

Anonymous · ‎07-13-2015

You could wait til those come off...better chance of approvals.

Anonymous · ‎07-13-2015

thanks mtg,

Which AMEX card are you refering to? I currently have SAFE FCU 5000, Mid Carolina FCU 2500, and SDFCU 500.

Anonymous · ‎07-13-2015

I was definitely waiting until those came off before I applied.

Also, is it better to do 3-4 apps in a day, same week, or space out over the period of a month or more?

Creditaddict · ‎07-13-2015

I would apply for Freedom and slate back to back

and venture one and quicksilver back to back.

Anonymous · ‎07-13-2015

thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

Anonymous · ‎07-13-2015

@Anonymous wrote:
thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

Ventures have AF but you can downgrade to Venture1 before AF posts. You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.