Good card for 660 fico score?

[Anonymous]

I just took out an auto loan with cap one and am looking to get one more credit card. Was wondering what is a good one for my scores? My real ficos are all 660-680.
I currently have a capital one Platinum with a $1500 limit. Account is one year old, never late. Balance is sometimes around 30% but I do pay down to around 1% every month.
Last night I applied and was approved for a Discover IT card with $800 limit.
TU currently has 4 inquiries, EQ has 2, and EX has 3.
Looking for one more card then plan to garden for awhile as Im hoping to buy a home in about 2 years. Hoping for something with a higher limit than I currently have if possible. Rewards would be nice, but not necessary. Just looking for a good all around card. Thinking about Chase freedom unlimited and I am pre-qualified for it, but I'm worried about needing to burn a HP to request an increase with them down the road, especially if I start out with a low limit.

Any suggestions? Thank you!

[Anonymous]

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@Anonymous wrote:
I just took out an auto loan with cap one and am looking to get one more credit card. Was wondering what is a good one for my scores? My real ficos are all 660-680.
I currently have a capital one Platinum with a $1500 limit. Account is one year old, never late. Balance is sometimes around 30% but I do pay down to around 1% every month.
Last night I applied and was approved for a Discover IT card with $800 limit.
TU currently has 4 inquiries, EQ has 2, and EX has 3.
Looking for one more card then plan to garden for awhile as Im hoping to buy a home in about 2 years. Hoping for something with a higher limit than I currently have if possible. Rewards would be nice, but not necessary. Just looking for a good all around card. Thinking about Chase freedom unlimited and I am pre-qualified for it, but I'm worried about needing to burn a HP to request an increase with them down the road, especially if I start out with a low 

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First off, stop worrying and fixating on inquries. If you want credit, you get inquiries. That's the way it is. 

It's a crap shoot with your scores. Chase isn't going to give you a high SL. Most likely $500- $1500.

Do you have any baddies? And what is your AAOA?

[Anonymous]

Thanks for the info, that makes sense. No baddies, AoAA is roughly 2 years

[AverageJoesCredit]

If you only have 4, 2 , and 3 inqs, i wouldnt worry too much on having to use another hp with Chase later on. You have a very low hp count as it is and one more wont break the bank. If you are prequaled for the card you want and if the prequal is dolid, id go for it. This way you can go to the card super happy with a card you want in your hand

[AverageJoesCredit]

Solid not dolid

[Anonymous]

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@Anonymous wrote:
Thanks for the info, that makes sense. No baddies, AoAA is roughly 2 years

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No baddies and 2 years..Go for it. You may get $2500- $4500.

More likely the $1500 range.

[Anonymous]

Have you tried requesting a CLI on your Cap1 card? Since you've had the card for 12 months, you are definitely due for one if you haven't requested it yet. That will help bring your UTIL lower and only increase your chances of both approval and a better SL on new cards.

[Anonymous]

Thanks for all the info! I did request an increase last month for a CLI on my cap one card which raised it from 1000 to 1500, so that was nice!

[jdxprs1]

I would say American Express. Blue cash everyday would be my choice

[Anonymous]

Amex BCE is my goal