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Good Fico Scores No Open Accounts need good card with nice CLI

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dawnmechele
Member

Good Fico Scores No Open Accounts need good card with nice CLI

Good Fico Scores No Open Accounts need good card with nice CLI any suggestions? 785 785 731

Message 1 of 11
10 REPLIES 10
myjourney
Super Contributor

Re: Good Fico Scores No Open Accounts need good card with nice CLI

Welcome to the forum 

Having post moved to CC to better help you 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 11
Kenny
Moderator Emeritus

Re: Good Fico Scores No Open Accounts need good card with nice CLI

I think we need more details.. aaoa? income? interests? cashback? travel? those types of things
Message 3 of 11
myjourney
Super Contributor

Re: Good Fico Scores No Open Accounts need good card with nice CLI

Questions to get you help 

What's on CR's Loans, closed CC, SL, baddies, AAoA?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 11
Jeff007245
Regular Contributor

Re: Good Fico Scores No Open Accounts need good card with nice CLI


@dawnmechele wrote:

Good Fico Scores No Open Accounts need good card with nice CLI any suggestions? 785 785 731


 

- Who do you bank with? I would start by building a relationship with them with a card that suits your needs.

 

- Start building a good relationship with AMEX. They have some of the best cards in the market and are not afraid to give high limits

- Build a relationship with Discover

- Possibly a store card where you like to shop. Best Buy, Amazon, Walmart etc... Maybe 1 or 2

 

I would suggest at least 3 Cards

 

- *Associated Bank* Rewards Card

- AMEX Revolver or AMEX Blue Cash/Sky depending on lifestyle (Everyday or Preferred)

- Discover IT

- An Everyday card that covers categories that don't fall in AMEX, Discover, or Bank Card: CSP, Fidelity AMEX, Cap1 Quicksilver etc... 

- A store card of your choice.

 

Just don't go overboard with applying. I listed my recommendations by order of priority. IMHO



Garden
2/16/14
|*****1/2014 - NPSL*****| *4/2011 6,000 CL* |*11/2011 - 5,000 CL*| *9/2012 - 850 CL* | *1/2014 - 500 CL* |*2/2014 - 6,000 CL*|
Message 5 of 11
dawnmechele
Member

Re: Good Fico Scores No Open Accounts need good card with nice CLI

Hi,

 

All accounts are closed. One payed car 21K, chase mastercard 2400, capital one 1K and a few misc accounts. Average 3 inquiries per burea...rate shhopping, AAoA is 6.5 yrs. No baddies, no lates I will close on my home in two weeks. Would like a card or cards to buy furniture and some essentials. 

 

Thanks!!!!

Message 6 of 11
myjourney
Super Contributor

Re: Good Fico Scores No Open Accounts need good card with nice CLI


@dawnmechele wrote:

Hi,

 

All accounts are closed. One payed car 21K, chase mastercard 2400, capital one 1K and a few misc accounts. Average 3 inquiries per burea...rate shhopping, AAoA is 6.5 yrs. No baddies, no lates I will close on my home in two weeks. Would like a card or cards to buy furniture and some essentials. 

 

Thanks!!!!


You can take your pick of cards IMHO

You look good for any 

Chase 

Amex 

Discover 

Lowes 

HomeDepot 

It all comes down to the type of cards you want cash back or travel rewards 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 11
dawnmechele
Member

Re: Good Fico Scores No Open Accounts need good card with nice CLI

Sorry salary is 110K. Would I get decent limits enough to buy furniture? I would like three cards max....one if the limit is decent. 

 

Thanks,

Message 8 of 11
myjourney
Super Contributor

Re: Good Fico Scores No Open Accounts need good card with nice CLI


@dawnmechele wrote:

Sorry salary is 110K. Would I get decent limits enough to buy furniture? I would like three cards max....one if the limit is decent. 

 

Thanks,


Sorry we can't guess at what limits you would get ....wish we could but I think you have a good shot IMHO

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 11
dawnmechele
Member

Re: Good Fico Scores No Open Accounts need good card with nice CLI

Thanks will keep you posted.

Message 10 of 11
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