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Equifax goal reached - What card should I apply for?

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Anonymous
Not applicable

Re: Equifax goal reached - What card should I apply for?


@bustinloose82 wrote:

I'm torn between Venture and Chase Sapphire Preferred.


@bustinloose82 The CSP would go great with your Chase Freedom Unlimited. You can combine your Ultimate Reward Points together.

 

A stand alone Venture Card is pretty nice as well. You can erase any travel expense including cruises without using a portal.

 

Can't go wrong with either card. Smiley Very Happy

Message 21 of 33
bustinloose82
New Contributor

Re: Equifax goal reached - What card should I apply for?

What do you mean a portal?

 


@Anonymous wrote:

@bustinloose82 wrote:

I'm torn between Venture and Chase Sapphire Preferred.


@bustinloose82 The CSP would go great with your Chase Freedom Unlimited. You can combine your Ultimate Reward Points together.

 

A stand alone Venture Card is pretty nice as well. You can erase any travel expense including cruises without using a portal.

 

Can't go wrong with either card. Smiley Very Happy


 

Starting EQ: 601 | EXP: 623 | TU: 637 (2/17)
Update 4/18/20: Current EQ: 760 | EXP: 708 | TU: 724

Goal EQ: 750 | EXP: 750 | TU: 750 (12/17)
Credit Card Debt Free Goal: March 2018

*NEW* Chase Sapphire Preferred $0 ($17,600) 4/18/20 | Chase Freedom Unlimited $0 ($5,500) | Chase Slate $0 ($2,100) | PNC Visa $11,100 ($12,500) | Citi Costco $0 ($5,500) | Citi Simplicity $0 ($2,700) | Discover It $0 ($8,000) | Barclay Card NFL Extra Points $0 ($12,000) | Marvel Mastercard $0 ($6,000) | Nordstrom Visa $0 ($17,000) | American Express Every Day $0 ($3,000) | Bayport Credit Union $6,876 ($7,500) | American Express Delta $700 ($12,000) | Macy's $601 ($5,000) | JC Penney $0 ($3,500) | Synchrony Amazon $2,728.40 ($6,500)
Message 22 of 33
bustinloose82
New Contributor

Re: Equifax goal reached - What card should I apply for?


@Anonymous wrote:

@bustinloose82 wrote:

I'm torn between Venture and Chase Sapphire Preferred.


@bustinloose82 The CSP would go great with your Chase Freedom Unlimited. You can combine your Ultimate Reward Points together.

 

A stand alone Venture Card is pretty nice as well. You can erase any travel expense including cruises without using a portal.

 

Can't go wrong with either card. Smiley Very Happy

 

Made the leap:

 

You have been approved for the Chase Sapphire Preferred Card. You will receive your new card, a paper copy of your Cardmember Agreement and other important disclosures in 3 to 5 business days.

Your credit line is $17,600.00
Your purchase APR is 15.99% variable


 

Starting EQ: 601 | EXP: 623 | TU: 637 (2/17)
Update 4/18/20: Current EQ: 760 | EXP: 708 | TU: 724

Goal EQ: 750 | EXP: 750 | TU: 750 (12/17)
Credit Card Debt Free Goal: March 2018

*NEW* Chase Sapphire Preferred $0 ($17,600) 4/18/20 | Chase Freedom Unlimited $0 ($5,500) | Chase Slate $0 ($2,100) | PNC Visa $11,100 ($12,500) | Citi Costco $0 ($5,500) | Citi Simplicity $0 ($2,700) | Discover It $0 ($8,000) | Barclay Card NFL Extra Points $0 ($12,000) | Marvel Mastercard $0 ($6,000) | Nordstrom Visa $0 ($17,000) | American Express Every Day $0 ($3,000) | Bayport Credit Union $6,876 ($7,500) | American Express Delta $700 ($12,000) | Macy's $601 ($5,000) | JC Penney $0 ($3,500) | Synchrony Amazon $2,728.40 ($6,500)
Message 23 of 33
Anonymous
Not applicable

Re: Equifax goal reached - What card should I apply for?

@bustinloose82 For the CSP, you can use the Chase Ultimate Reward portal to book travel and each UR point is worth 1.25X in value. 

Message 24 of 33
Anonymous
Not applicable

Re: Equifax goal reached - What card should I apply for?

@bustinloose82 Congrats on your CSP approval and sweet SL! You got the lowest APR for the card as well.Smiley Very Happy

Message 25 of 33
bustinloose82
New Contributor

Re: Equifax goal reached - What card should I apply for?


@Anonymous wrote:

@bustinloose82 Congrats on your CSP approval and sweet SL! You got the lowest APR for the card as well.Smiley Very Happy


Thank you!!! You made a good point about my other Chase accounts. I looked at my Chase account and noticed I had about 20,000 points, so this will be a nice add to that. Plus, I know Chase is very strict about the 5/24 rule, so I figured I can apply for Venture in a few months.

Starting EQ: 601 | EXP: 623 | TU: 637 (2/17)
Update 4/18/20: Current EQ: 760 | EXP: 708 | TU: 724

Goal EQ: 750 | EXP: 750 | TU: 750 (12/17)
Credit Card Debt Free Goal: March 2018

*NEW* Chase Sapphire Preferred $0 ($17,600) 4/18/20 | Chase Freedom Unlimited $0 ($5,500) | Chase Slate $0 ($2,100) | PNC Visa $11,100 ($12,500) | Citi Costco $0 ($5,500) | Citi Simplicity $0 ($2,700) | Discover It $0 ($8,000) | Barclay Card NFL Extra Points $0 ($12,000) | Marvel Mastercard $0 ($6,000) | Nordstrom Visa $0 ($17,000) | American Express Every Day $0 ($3,000) | Bayport Credit Union $6,876 ($7,500) | American Express Delta $700 ($12,000) | Macy's $601 ($5,000) | JC Penney $0 ($3,500) | Synchrony Amazon $2,728.40 ($6,500)
Message 26 of 33
Mv350
Valued Contributor

Re: Equifax goal reached - What card should I apply for?

Langley FCU pulls EQ8 for their cards. low APR with a 0% BT offer for 12 months. 

AOD and DCU pull EQ5

Message 27 of 33
bustinloose82
New Contributor

Re: Equifax goal reached - What card should I apply for?

I'm familiar with Langley FCU. Do you live in Virginia? I grew up around Langley AFB.


@Mv350 wrote:

Langley FCU pulls EQ8 for their cards. low APR with a 0% BT offer for 12 months. 

AOD and DCU pull EQ5


 

Starting EQ: 601 | EXP: 623 | TU: 637 (2/17)
Update 4/18/20: Current EQ: 760 | EXP: 708 | TU: 724

Goal EQ: 750 | EXP: 750 | TU: 750 (12/17)
Credit Card Debt Free Goal: March 2018

*NEW* Chase Sapphire Preferred $0 ($17,600) 4/18/20 | Chase Freedom Unlimited $0 ($5,500) | Chase Slate $0 ($2,100) | PNC Visa $11,100 ($12,500) | Citi Costco $0 ($5,500) | Citi Simplicity $0 ($2,700) | Discover It $0 ($8,000) | Barclay Card NFL Extra Points $0 ($12,000) | Marvel Mastercard $0 ($6,000) | Nordstrom Visa $0 ($17,000) | American Express Every Day $0 ($3,000) | Bayport Credit Union $6,876 ($7,500) | American Express Delta $700 ($12,000) | Macy's $601 ($5,000) | JC Penney $0 ($3,500) | Synchrony Amazon $2,728.40 ($6,500)
Message 28 of 33
Anonymous
Not applicable

Re: Equifax goal reached - What card should I apply for?

@bustinloose82 

 

Super Congrats on your CSP $16,700 approval! Smiley Very Happy

 

I concur with @Mv350 regarding Langley FCU. If you're still in the

market for another card that requires an EQ8 hard pull, I recommend

you give Langley serious consideration. I do live in Virginia, but Langley

membership is open to all. And to be clear, membership is a ChexSystems

pull but Langley's loan products will be an EQ8 hard pull good for 30 days. Smiley Very Happy

 

Just over a week ago Langley approved me for their low interest card

(Platinum Select VISA) for 5k at 11% with an EQ8 691 approval score.

Rates range from 7 - 18%, so with an EQ8 760 the odds of you getting

7% are pretty good. In addition, 100% of the credit limit is available for

cash advances. Langley's personal loan rates start at 9%, so actually

you'd be better off getting a credit card (7%) than a personal loan (9%).

 

Your CSP is a terrific card, but no way Chase will grant you 100% limit access

for a cash advance, much less at the same APR. Just something to think

about. Congrats again on your approval! Smiley Very Happy

Message 29 of 33
Mv350
Valued Contributor

Re: Equifax goal reached - What card should I apply for?


@bustinloose82 wrote:

I'm familiar with Langley FCU. Do you live in Virginia? I grew up around Langley AFB.


@Mv350 wrote:

Langley FCU pulls EQ8 for their cards. low APR with a 0% BT offer for 12 months. 

AOD and DCU pull EQ5


 


No I'm not, but I just joined and I am currently waiting a reply for the card. I guess when I submitted my app, I did not select which card I wanted? weird. But when I called in, a very helpful CSR corrected my app and let me know someone will reach out. From what I have read, they are very friendly. When I applied my EQ8 was 714. I will update when I hear back though. Maybe tomorrow?

Message 30 of 33
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