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Credit cards 5k+

pinkvelvetz
Established Member

Credit cards 5k+

I wanted to see if I would be approved for any credit cards that are 5k and up?

About my credit history:
-My credit score: 732 TU / 732 E
(It just jumped recently from 707 to 732)

-I only three cards currently; Comenity: Victoria Secret, Jcrew and Redwood card

-My credit started at 550 back in 2016. I paid off 3 baddies on my report and they have been deleted. By March 2017, I managed to get a Redwood secured Card so my credit history was established then.

-No late payments since then and my UTI is under 5%
Message 1 of 16
15 REPLIES 15
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Credit cards 5k+

It's not impossible, but it is unlikely. Maybe try Discover.







Message 2 of 16
wasCB14
Super Contributor

Re: Credit cards 5k+

Income?

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 3 of 16
pinkvelvetz
Established Member

Re: Credit cards 5k+

My income is 70k/yr.
Message 4 of 16
wasCB14
Super Contributor

Re: Credit cards 5k+


@pinkvelvetz wrote:
My income is 70k/yr.

You might take a look at Amex revolvers. Maybe start with a no-AF or low-AF one with a low minimum CL required.

 

With your income and no baddies Amex may give you a nice CL. And if they give you a low one, it can grow quickly...especially with regular spend and a reasonable income like yours.

 

They offer a few cash back cards and a wide variety of travel cards. Take your time in researching them. 

 

Before following the above advice, please clarify...do you have any baddies remaining on your report?

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 5 of 16
TylerDurden17
Regular Contributor

Re: Credit cards 5k+

Are those scores from Credit Karma?
Message 6 of 16
FiresOut
Super Contributor

Re: Credit cards 5k+

Get your FICO scores here https://www.freecreditscore.com/credit-score

You'll get your free EX FICO and do the trial for all three FICO and then cancel. But youi'll still get monthly EX FICO at no charge. Report back. And the gang will see whats available to you. Whenever we see TU/EQ thats CK and means nothing really. Welcome to the forums!

Message 7 of 16
Morpho
Valued Contributor

Re: Credit cards 5k+

If that is Redwood Credit Union you should start there.

What are the limits in your Comenity cards and are you asking for limit increases on those cards?

You have had the Redwwod card for 2 years. Has it unsecured yet?

Message 8 of 16
TylerDurden17
Regular Contributor

Re: Credit cards 5k+

And, of course, Navy Fed, if you're eligible for membership
Message 9 of 16
pinkvelvetz
Established Member

Re: Credit cards 5k+

The score I got was from my bank, Vantage score.

 

I just tried the website you gave me and it is reporting 655. It say's FICOScore8. 

 

There is an option to see all 3 credit bureau FICO scores as well, is that necessary? 

 

My VS card limit is $750 and my Jcrew CL is $500. Also, my Redwood card is unsecured now.

 

 

 

 

 

 

Message 10 of 16
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