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First unsecured card

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09Lexie
Moderator Emerita

Re: First unsecured card

Message 11 of 22
Anonymous
Not applicable

Re: First unsecured card

Nope. (Cheapest available - Spirit) is my formula. 

Message 12 of 22
09Lexie
Moderator Emerita

Re: First unsecured card

Ok, I would go with this:

Contact WF regarding the graduation of your card and CLI- if not, can you add $700card? Let that report and then try for these cards: Chase Freedom, Citi Forward, Cap1QS and Amex PRG or BlueSky
Message 13 of 22
DaveSignal
Valued Contributor

Re: First unsecured card

or the BoA Travel Rewards, which would offer 1.5x on everything, no annual fee, and all of OPs subway metrocards and bus tickets could be redeemed for maximum cash back, since they count as travel expenses.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 14 of 22
09Lexie
Moderator Emerita

Re: First unsecured card

@DaveSignal

Good point about TravelRewards . How is BoA with thin files?
Message 15 of 22
Anonymous
Not applicable

Re: First unsecured card

Few questions:

1. Should I definitely wait for the WF card to be graduated or increase the limit before I apply for another card?

2. I can commit the $700, but would it definitely expedite graduation or credit rating? I don't want to lock up $700 for an indefinite amount of time. 

3. Are all of the cards you mentioned in the same range or are some more likely to accept me than others?

Again, thanks a lot

Message 16 of 22
CreditExpressNJ
Established Contributor

Re: First unsecured card


@Anonymous wrote:

Few questions:

1. Should I definitely wait for the WF card to be graduated or increase the limit before I apply for another card?
No WF according to these forums is bad with graduating.

2. I can commit the $700, but would it definitely expedite graduation or credit rating? I don't want to lock up $700 for an indefinite amount of time. 
Does not guarantee anything it just helps the other cards your gonna be applying for see a high limit thus getting you decent CL's

3. Are all of the cards you mentioned in the same range or are some more likely to accept me than others?
The cards that Lexie mentioned are decent cards and most likely you will be approved for based upon your scores and history.

Again, thanks a lot


answers in red above

CH7 Filed (3/29/17) - 483 EX 516 EQ 517 TU Discharged (5/31/17) - 559 EX 538 EQ 501 TU Current (1/18/22) - 690 EX 683 EQ 671 TU
Current Cards

Message 17 of 22
09Lexie
Moderator Emerita

Re: First unsecured card

Message 18 of 22
DaveSignal
Valued Contributor

Re: First unsecured card


@09Lexie wrote:
@DaveSignal

Good point about TravelRewards . How is BoA with thin files?

This I don't know since my file was quite large when I applied.  I would think that Its worth a shot though with a year of revolving history.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 19 of 22
Anonymous
Not applicable

Re: First unsecured card

30k from the summer and 20k in student loans, so 50k I guess

Message 20 of 22
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