First credit card Suggestions???

[coldnmn]

Check out www.whogavemecredit.com I think you will be able to answer your own question.

[Anonymous]

Also any info on the Discover more card...would this be an option as well? thanks again

[Anonymous]

Chase Freedom is not the easiest card to get. Chase can be fussy. They want to see a minimum of 1-2 years credit history (I just had discussion with them about this for my daughter). I wouldn't apply for that yet.

I prefer the Freedom over the Discover card. A lot of people have had a lot of luck with Discover approvals lately however. I do like the rotating 5% rewards.

Discover is still considered a prime card. You can see if you are pre-approved on their website. So long as you have some credit history and a score, you have a shot with Discover. My daughter currently attends a 2 year school, so they would not give her the student Discover. However, they did give her the regular MORE card with a 1000CL. Not too shabby for a 19 year old.

Cap1 is probably the easiest bank to get a card with. My daughter started with a Cap1 card, and at 4 months later got the Zync, then  at 6 months got Citi Forward and Discover and one store card.

You have had a gas card for 8 months, so I think you could get Zync.  Zync is the easiest AMEX to get. 

If it were me, I would start with the Zync, and then if approved, try for Discover. If denied both, then Cap1 as last resort and then no more apps!

I am sure some will disagree. 

[shane82388]

I personally wouldnt apply for a Chase Freendom or any other prime bank credit card like that if i didnt even have a card yet...

Have you tried the pre-approval thing on Capital One? Orchard Bank? American Express? Discover?

Try those out before you actually apply so you can get a feel if you are pre-approved for anything...if not, then id try to get something like a CapOne or Orchard Bank basic card just to get more than one revovling credit line showing which could increase your chaces of getting a real card.

[Anonymous]

Hey guys, I was feeling good and applied for american express gold card and I got approved. Thanks for all the input.

I would like to eventually move from this charge card to another american express credit card. Any suggestions on how to go about this and how long to wait?

[Anonymous]

Congrats!!! That is great!

With Amex, you cannot do a product change from a charge card to a credit card. 

If you were looking at an AMEX credit card, it will require another application (and another hard pull since you did not apply for both at same time).

I would probably wait 6 months to establish some hx with Amex. The charge cards are a little easier to get than the credit cards.

What other Amex card are you interested in?

[Anonymous]

Thank you. I would most likely go for the Blue Sky or Blue Cash cards. I will probably wait about a year before applying for one.  I just want to try and avoid the big annual fee that kicks in next year with the gold.  I figure I have the best shot at getting accepted with american express since I am going to build a relationship with them this year. However, even with an actual credit card, I plan on paying off in full every month (unless theres an emergency).  My credit score is in the 700's currently, but I want to build a stronger history since I plan on buying a house in a 2-3 years.