Hi, this is my first post on the boards. Been lurking around for the last few days. In the next 3-6 months I will be looking at applying for another credit card. After doing a lot of reading over the last week I have narrowed down my next card to either an Amex Gold card or Chase Freedom. I think I have pretty good odds of getting either but wanted to run it by the boards first.
Here is my credit background:
From Experian Website on 1/21/19
-Credit Scores- Experian 708, Equifax 719, Transunion 710
-My oldest account is 3 years and 7 months old. Capital one Secured card. Limit $500. I got real lazy and let some payments slide on this card. 4 late payments with the most recent 9 months ago. Since then all payments have been made on time. Credit utilization 4%.
-Newest account opened in November of 2018 was Capital One Quicksilver One. Credit limit of $3,000. Credit utilization below 30% and paid in full every month. No late payments. From Capital One once 5 months of on time payments they will bump up to $3,500. I am thinking in 6 months of asking if they will change for Quicksilver to avoid another $39 annual fee.
-Revolving utilization 1%
-Only 1 credit card inquiry in the last 2 years. 1 other inquiry by a propane company in August of 2017.
-No mortgage and no car loans. Only Credit Cards.
I think I hit the major points. What are thoughts?
Thanks!
