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Add a card? What's best?

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Contributor

Add a card? What's best?

So I have the QS, a revolving line from my bank, and an auto installment loan. All in good standing now. Should I add another card?

 

If so, what's out there for fair scores with no annual fees? I despise those things....


In the garden since 6/2017 Total Credit Lines: $21,000
Message 1 of 41
40 REPLIES 40
Senior Contributor

Re: Add a card? What's best?

Yes, I would add two more cards. The Chase Freedom Unlimited is a nice card and I would also look into an NFCU membership and apply for one of their cards. All of them have no AF with the exception of the Flagship. 

 

Edit: It all depends on the rewards structures you find appealing and what would benefit you the most. There are many good cards out there to include Discover. 

Message 2 of 41
Established Contributor

Re: Add a card? What's best?

Seriously? The freedom unlimited has the exact same rewards structure as the qs which the OP already has. Randomly recommending cards is not that helpful.
OP I would recommend you look at your spend and figure out if there is a category you might benefit from by having a card just for that (gas, dining, etc).
Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 3 of 41
Highlighted
Senior Contributor

Re: Add a card? What's best?


@dragontears wrote:
Seriously? The freedom unlimited has the exact same rewards structure as the qs which the OP already has. Randomly recommending cards is not that helpful.
OP I would recommend you look at your spend and figure out if there is a category you might benefit from by having a card just for that (gas, dining, etc).

If you read the entire thing I specifically said that it all depends on the rewards structure the OP would benefit from. Thank you for your input though. 

Message 4 of 41
Established Contributor

Re: Add a card? What's best?

LOL yes I read your after thought. You don't need to be so defensive when someone points out flaws in your advice.
So Thank You for providing vague imput
Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 5 of 41
Valued Contributor

Re: Add a card? What's best?

Please define 'fair scores'.

 

You only have the QS with $300 limit that you opened in August?

You need to report your balance between $3-$20, to have the most points for UTIL.

If you are reporting $0, or $30+ you are not getting all the points you can.

 

I think you should go with card that will grow with SP CLI.

My favorites for this: Amex BCE and Discover.

If they deny you, you can try again in a few months.

Visit Amex site and try the pre-qual.

I tried evey week until they show me something (when my credit was new, I think I tried for 6-8 weeks).

 

Good luck.

 

Message 6 of 41
Senior Contributor

Re: Add a card? What's best?


@dragontears wrote:
LOL yes I read your after thought. You don't need to be so defensive when someone points out flaws in your advice.
So Thank You for providing vague imput

Input*

 

For real though, I am not upset at all. OP was just asking for some non-AF cards and those were the first that came to my mind that get the foot in the door at both institutions. Personally, I prefer hotel cards because I am a creature of habit and stay in the same hotels depending on where I travel to. Unfortunately, many of the good ones have an AF. 

Message 7 of 41
New Contributor

Re: Add a card? What's best?

I would suggest a Discover It.

You can use the Discover for the 5% back rotating categories and your QS for all non-category spend.

I would also suggest the original Chase Freedom (5% rotating categories) as aneeded option but Chase is harder to get a foot in the door with and I hear Discover is very good with CLI, allowing you to grow with the card. I think that would be a good combination for you. Just look at what their rotating categories are first and see if you can make use of it.
Message 8 of 41
Contributor

Re: Add a card? What's best?


@newhis wrote:

Please define 'fair scores'.

 

You only have the QS with $300 limit that you opened in August?

You need to report your balance between $3-$20, to have the most points for UTIL.

If you are reporting $0, or $30+ you are not getting all the points you can.

 

I think you should go with card that will grow with SP CLI.

My favorites for this: Amex BCE and Discover.

If they deny you, you can try again in a few months.

Visit Amex site and try the pre-qual.

I tried evey week until they show me something (when my credit was new, I think I tried for 6-8 weeks).

 

Good luck.

 


Sorry, scores are 590-613. Per CCT. Utilization rate I've kept great. Paying in full well before due date. 


In the garden since 6/2017 Total Credit Lines: $21,000
Message 9 of 41
Contributor

Re: Add a card? What's best?

Well the Freedom Unlimited is a good card, but it's virtually identical to QS in terms of reward structure.  (Does QS have a bonus mall like Chase and Discover?)  The original Freedom would be a good companion to QS, but of course Chase is known for denying people with thin files.  The Discover 5% card would also be a good companion to QS and I think Discover is more willing to take people with thin files provided they're in good standing.

Message 10 of 41
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