Going to App Spree!! Help me make decisions

[Jerryf08]

Ok guys my BBY card finally reported my low balance and now I'm ready to get some new cards! I checked my 3 FICO scores and they are as follows:

TU: 744

EX: 720

EQ: 720

Currently I have a Discover IT with a 1300 limit and joint BBY Charge card with a 3500 limit. My utilization is 2% and a $250 student loan. My AAoA is only 1 year, thats what's hurting me the most :/ . I'm currently a full time student and I'm getting about $25000 of income. I had 1 inquiry in the past 12 months on Experian. 0 on TU and 2 on EQ.

I last applied for Chase southwest card in June 01 but got denied :/

Here's a list of several cards I would like to apply for. Overall I just want to apply for 3-5 cards. 5 max!

AMEX BCE:, I really would like Blue Sky Miles/preferred, I think my AAoA is to low though.

CHASE FREEDOM, I would like to do sapphire but I really don't think I would get it.

BARCLAY ARRIVAL, also not sure if I'd get.

Any good CITI CARD?

AMAZON VISA

WALMART: just for the free FICO.

My Credit Union Has a low interest card but about 0 benefits.

Wow i seriously can't think of other cards right now, I'm rather excited to apply.

Are there any suggestions or recommendations someone might have for me? (:

[Creditaddict]

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@Jerryf08 wrote:

Ok guys my BBY card finally reported my low balance and now I'm ready to get some new cards! I checked my 3 FICO scores and they are as follows:

TU: 744

EX: 720

EQ: 720

Currently I have a Discover IT with a 1300 limit and joint BBY Charge card with a 3500 limit. My utilization is 2% and a $250 student loan. My AAoA is only 1 year, thats what's hurting me the most :/ . I'm currently a full time student and I'm getting about $25000 of income. I had 1 inquiry in the past 12 months on Experian. 0 on TU and 2 on EQ.

I last applied for Chase southwest card in June 01 but got denied :/

Here's a list of several cards I would like to apply for. Overall I just want to apply for 3-5 cards. 5 max!

AMEX BCE:, I really would like Blue Sky Miles/preferred, I think my AAoA is to low though.

CHASE FREEDOM, I would like to do sapphire but I really don't think I would get it.

BARCLAY ARRIVAL, also not sure if I'd get.

Any good CITI CARD?

AMAZON VISA

WALMART: just for the free FICO.

My Credit Union Has a low interest card but about 0 benefits.

Wow i seriously can't think of other cards right now, I'm rather excited to apply.

Are there any suggestions or recommendations someone might have for me? (:

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If it's this list... this order:

1. Run Pre-qual at Citi and see if they offer you anything - apply according.

2. Run the pre-qual at Chase and if offered Freedom go for it... if you get no offers, I would consider applying for Amazon and if successful then apply to freedom....

3. Maybe Amazon Store Card by GE as backup.

4. Amex

5. Barlcay

6. Walmart

7. Credit union

[isoldmyatlas]

My scores are similar to yours and I was approved for the Amex BCE in January.  My AAoA was only about 5 months old and my oldest card was only 8 months old!  And I definitely had a few more inquiries on my reports than you do.  I really think you stand a good chance to be approved for an Amex revolver!  Mine wasn't an instant approval but I checked app status a few minutes after submitting it, and it said Approved

You should give it a try!

If Chase denied you for the Southwest card you'll probably also get denied for the Amazon one and the Freedom.  But you could always call the recon line.  Chase is really good about recons, so you'd stand a chance getting approved on recon for one of these (but probably not both).

Don't app for the Arrival if you are apping for other cards.  Barclays is super inq-sensitive and they do an account review at 6 months, and if you've opened up other accounts they won't think twice about closing your account with them!

[Jerryf08]

CITI, they couldn't match my records to any pre-qualifications but they think i'd like the CITI Thank Your Preferred Card.

CHASE, because of my recent application to a chase card, they can't check at this moment?

[Anonymous]

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@Jerryf08 wrote:

Ok guys my BBY card finally reported my low balance and now I'm ready to get some new cards! I checked my 3 FICO scores and they are as follows:

TU: 744

EX: 720

EQ: 720

Currently I have a Discover IT with a 1300 limit and joint BBY Charge card with a 3500 limit. My utilization is 2% and a $250 student loan. My AAoA is only 1 year, thats what's hurting me the most :/ . I'm currently a full time student and I'm getting about $25000 of income. I had 1 inquiry in the past 12 months on Experian. 0 on TU and 2 on EQ.

I last applied for Chase southwest card in June 01 but got denied :/

Here's a list of several cards I would like to apply for. Overall I just want to apply for 3-5 cards. 5 max!

AMEX BCE:, I really would like Blue Sky Miles/preferred, I think my AAoA is to low though.

CHASE FREEDOM, I would like to do sapphire but I really don't think I would get it.

BARCLAY ARRIVAL, also not sure if I'd get.

Any good CITI CARD?

AMAZON VISA

WALMART: just for the free FICO.

My Credit Union Has a low interest card but about 0 benefits.

Wow i seriously can't think of other cards right now, I'm rather excited to apply.

Are there any suggestions or recommendations someone might have for me? (:

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Amex charge first, then if approved immediately app for a revolver like blue sky.  

Citi - do you want a long term 0% intro?   Simplicity if so.

Chase - Yes, freedom.  NOT CSP - not enough income to fit the mold for that one.

Walmart and hope for the Disco version.

Amex and GE (walmart) really don't have a "recon" line on denials.  Chase (easy 1 call answer)  and Citi (try to go through EO and wait to hear)

[Jerryf08]

at the time I appled for southwest I had a 33% utilization so that didn't help :/ they primarily said it was because of my AAoA

[isoldmyatlas]

That's kinda weird.  I got the Southwest card in March with an AAoA of 7 months....my utilization was only 2% though.  And I had the Chase Amazon since October so they knew I was paying on time and in full on that one.

[Jerryf08]

woooow I'm jealous :/ I had got invited to the premier card, then got denied :/

I probably will apply for amazon.

Will the discover walmart still give the free fico score?

[Jerryf08]

GOT approved for AMEX BCE!!!! not sure what the credit limit is though. Woohoo!!!

[isoldmyatlas]

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@Jerryf08 wrote:

GOT approved for AMEX BCE!!!! not sure what the credit limit is though. Woohoo!!!

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WOOHOO I told you that you'd have a great shot!  Congrats!!