Good Credit Again

[JoeyBatters]

Hi all. 

Recently got my credit to a respectable place - need some advice on which card I should get to add to my collection of 1. 

Currently have a Discover IT with 3600 limit - incread to this today. 

1 derog 4+ years old - paid. 

Credit Scores for Equifax, Transunion, and Experien 

678 - 685 - 692, respectively. 

What can I get? Preferrably only cash back cards with very low annual fee, but preferrably no annual fee

I want to boost my score more, and have very few open accounts - just my Discover and a car loan. 

Thanks for the help everyone.

[Tiggr]

For a nice 1.5% CB card I'd recommend the C1 Quicksilver, it has a nice and easy SUB right now too.

If your derogatory is with Discover I'd recommend looking into deleting it based on good faith, I forget the exact terminology but there is some good examples on how to go about that on this forum.

[JoeyBatters]

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@Tiggr wrote:

For a nice 1.5% CB card I'd recommend the C1 Quicksilver, it has a nice and easy SUB right now too.

If your derogatory is with Discover I'd recommend looking into deleting it based on good faith, I forget the exact terminology but there is some good examples on how to go about that on this forum.

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I had a capital one and i just paid Midland Credit to get it deleted, so I dont really want them again. Didnt they buy Discover anyway??

My derog was for an apartment, which is paid. Anything more "premium-ish" ? I know the real good cards will need a tad higher score. I dont plan on having 50 credit cards. Probably like 3 -4 max rotating along with some credit diversity. 

[mgood]

How old is the Discover? If you're in the first year,  you're getting double Rewards- effectively 10% on the quarterly categories and 2% on everything else. I'd use that for everything for a year.

If you're feeling brave,  you might try for a Chase Freedom Unlimited or Freedom Flex. (I'd guess you're borderline on what they might approve. A solid year of good history with just the Discover would greatly improve your chances. )

If slightly less brave,  go for a Citi Double Cash or some other 2% card.

Capital One Quicksilver would be a pretty safe move,  but nearly everyone who gets one eventually wants to change it to a Savor, and it can be very difficult to get that changed, so I'd recommend getting the Savor from the beginning. I'm not sure if it's any harder to qualify for,  but I doubt it. 

Stay away from Credit One.

[mgood]

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@JoeyBatters wrote:

I had a capital one and i just paid Midland Credit to get it deleted, so I dont really want them again. Didnt they buy Discover anyway??

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You posted that while I was typing. So forget Capital One. Yes, they bought Discover,  but we haven't seen any changes to Discover as a result of that, yet.

[Tiggr]

C1 is buying Discover but we don't know for sure how that'll affect things across the two, but yeah C1 is probably off the table for a while. 

I'd like to think of CB cards and premium cards to be usually separate things, aside from the new US bank smartly card, which is great if you have a lot of savings.  If you're eligible for NFCU, they have a great CB card that can become a 2%

[ptatohed]

Dispute the derog.  If it's paid and it's been 4 years, I am willing to bet the apartment complex won't bother to respond and it will be taken off your report.  

[Wavester64]

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@JoeyBatters wrote:

Hi all. 

Recently got my credit to a respectable place - need some advice on which card I should get to add to my collection of 1. 

Currently have a Discover IT with 3600 limit - incread to this today. 

1 derog 4+ years old - paid. 

Credit Scores for Equifax, Transunion, and Experien 

678 - 685 - 692, respectively. 

What can I get? Preferrably only cash back cards with very low annual fee, but preferrably no annual fee

I want to boost my score more, and have very few open accounts - just my Discover and a car loan. 

Thanks for the help everyone.

---

Not sure what scores are needed to get this card, but I would recommend the SoFi MC 2% CB on all spending, no spending limits. They do not offer a SUB though, at least I don't think they do at the moment.

[JoeyBatters]

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@mgood wrote:

How old is the Discover? If you're in the first year,  you're getting double Rewards- effectively 10% on the quarterly categories and 2% on everything else. I'd use that for everything for a year.

If you're feeling brave,  you might try for a Chase Freedom Unlimited or Freedom Flex. (I'd guess you're borderline on what they might approve. A solid year of good history with just the Discover would greatly improve your chances. )

If slightly less brave,  go for a Citi Double Cash or some other 2% card.

Capital One Quicksilver would be a pretty safe move,  but nearly everyone who gets one eventually wants to change it to a Savor, and it can be very difficult to get that changed, so I'd recommend getting the Savor from the beginning. I'm not sure if it's any harder to qualify for,  but I doubt it. 

Stay away from Credit One.

---

Discover is 4 - 5 years old. Ill put the Chases on my list. TY.

[JoeyBatters]

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@Tiggr wrote:

C1 is buying Discover but we don't know for sure how that'll affect things across the two, but yeah C1 is probably off the table for a while. 

I'd like to think of CB cards and premium cards to be usually separate things, aside from the new US bank smartly card, which is great if you have a lot of savings.  If you're eligible for NFCU, they have a great CB card that can become a 2%

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I think of premium cards like a PenFed or something along the lines. Surely those have CB. we prolly have diff defintions. 

I had NFCU over 10+ yrs ago. Ill put them on the list along with Chase.