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Just approved for $7800 visa through local credit union!!

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jbrickbm
New Contributor

Just approved for $7800 visa through local credit union!!

Before this my highest CL was a Crap1 $750 platinum card with AF.  I'm thinking I should i apply for another card or 2.  I really like my Capital one cash rewards other then it only has a $500 CL and $40 AF.  With the 50% bonus it gives me, its like getting 1.5% back on all purchases.  I dont see any other card that really gives me more than that other then select categories that switch up to give 5%.  What card should I app for next?

EQ MyFico : 738- 05/28/13TU Walmart: 680- 06/13TU CreditKarma 713- 06/13EX CreditSesame 706- 06/13
Discover IT$3,000, CapitalOne-Rewards$1400, CapitalOne-Rewards2$1000 , BestBuy$600, Orchard Bank$300, Walmart$150

Message 1 of 13
12 REPLIES 12
john398
Senior Contributor

Re: Just approved for $7800 visa through local credit union!!

Chase Freedom or Discover IT has good rewards IMHO

Message 2 of 13
Ron1
Super Contributor

Re: Just approved for $7800 visa through local credit union!!

Congrats!!!! Smiley Happy

 

Ron.

Message 3 of 13
SpecFile
Valued Contributor

Re: Just approved for $7800 visa through local credit union!!

+1 Discover it
Message 4 of 13
jbrickbm
New Contributor

Re: Just approved for $7800 visa through local credit union!!

I'm thinking AMEX BCE, or Discover IT.....or should I do both?

EQ MyFico : 738- 05/28/13TU Walmart: 680- 06/13TU CreditKarma 713- 06/13EX CreditSesame 706- 06/13
Discover IT$3,000, CapitalOne-Rewards$1400, CapitalOne-Rewards2$1000 , BestBuy$600, Orchard Bank$300, Walmart$150

Message 5 of 13
asphaltcowboy
Valued Contributor

Re: Just approved for $7800 visa through local credit union!!

Congrats!!!


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 6 of 13
myjourney
Super Contributor

Re: Just approved for $7800 visa through local credit union!!

Freedom and Discover good fit 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 13
youngandcreditwrthy
Senior Contributor

Re: Just approved for $7800 visa through local credit union!!

I have Amex BCE, Chase Freedom, and the Discover IT.
They are all perfect cards for every day use!
I can usuallly use either Discover or Freedom for 5% cashback.
And Amex BCE is my go-to card!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 13
xcallmeclayx
New Contributor

Re: Just approved for $7800 visa through local credit union!!

Ive been looking at the cashback of my newest cards (Freedom and Discover It) and comparing them to others its a no brainer. Those two along with my capital one im always getting the best cash back.

Starting Score 5/10/2012: EQ: 631 EX: 570 TU: 583
Current Score: EQ: 710 (MyFico) EX: 740 (CreditInform) TU: 709 (WalMart)
NEW Goal Score: 750 All Across 1st Goal: Achieved 6/7/2013 690 All Across


Take the FICO Fitness Challenge

Message 9 of 13
kimmiller112
Frequent Contributor

Re: Just approved for $7800 visa through local credit union!!

Let the new card report, then go for Discover and Chase.  If you don't do that, you will probably get low limits.  If you have had the Cap One more than 6 months, you should consider emailing the EO for a CLI (should be a SP).  Then, if I were you, garden for 6 or more months and you will be sitting pretty and can add a couple more cards if you would like.  If you do any shopping at a store that uses GE for their store cards (like Walmart), you may want to considering adding a GE card to your lineup.  They are very generous with customer initiated CLI's with SP's every 4 months.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 10 of 13
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