CC Decision

[Anonymous]

Hi all, I've been lurking on the forums for the last few weeks and finally decided to jump in.

After getting addicted to the forums, I apped for an AmEx Blue and was approved (don't know CL, working out of state for a few weeks and card went to my house, don't really feel like calling). EQ of 714 at the time (don't know EX or TU, but CRs are both identical to EQ).

Long story short, I'm new to credit (oldest & only card (only CR entry for that matter) 2 y.o. this month, Visa Platinum Rewards 4K CL from credit union) and am working to get the best start I possibly can. I read the advice on allaboutthebenjamins.org, which seems to indicate I should try for another card or two right about now. I'm really interested in trying for a Discover card. What do you think? Would apping for another card so soon make AmEx nervous? (I've read they're pretty skittish)

Do you think I would have a pretty good chance of getting an approval? (No baddies on my report, no balances, PIF every month, etc.)

Thanks in advance for your input!

Edited for their/they're mistake... and I get mad at other people for that...

Message Edited by Skidude514 on 07-30-2008 12:13 PM

[smallfry]

Why would anyone want a Discover card?

[Red1Blue]

Try Citi  or Chase. They are large banks and you could get a good card with good Credit Limits. What is your current Fico scores?

[Anonymous]

EQ 714 on 7/12

Don't know how much of a hit that took (if any) from Amex app...

@ smallfry: Idk about Discover, just appealed to me the way people talk about them on the boards, good customer service reputation, etc.

[Anonymous]

---

@Anonymous wrote:
EQ 714 on 7/12

Don't know how much of a hit that took (if any) from Amex app...

@ smallfry: Idk about Discover, just appealed to me the way people talk about them on the boards, good customer service reputation, etc.

---

Oh, admit it!! You just like the little "sun ball" from the ads!!

Nah, supposedly, Discover gives oodles of "debt management tools" that no one else offers. I know hubby's dying for one (and an EmEx, but not yet, obviously!)!

I wish you luck!!

[Anonymous]

Shhh! Don't let anyone hear you! Discover won't approve people who want their cards for silly reasons...

[Anonymous]

I dunno ... I'll bet that if you DO mention it, you might be saving some poor marketer's job!!

[fused]

It's really best to know all three of your scores. If your reports are clean and you have a two-year history, I would look to BoA and maybe CITI in addition to Discover. It's best to have a couple of Visa or MC CCs as back-ups to Amex and Discover. You probably know that some merchants still do not take Amex and Discover. As for which CRAs will be pulled:

Amex almost always EX

Discover EX or TU

BoA EX but might be any one of the three

CITI most likely EQ or TU, but they have been known to pull EX

[Anonymous]

@ Wonderin :-D lol

(edited for confusion... sorry that I'm so slow!)

Message Edited by Skidude514 on 07-29-2008 05:53 PM

[fused]

Are you going for it?