Grown Up Credit Card

[Anonymous]

Hi everyone,

I'm a long time time lurker looking for a new card and any recommendations would be greatly appreciated. I currently have the Discover with a new limit of $3500 and a secured citi bank card with a limit of $200 . My current aaoa is 1.1 year. and my scores are as follows Tu-711, Equifax-691 Experian-702.

My utilization was 30% last month so I'm sure the scores will increase as utilization was 4% this month. My limit for the discover also increased from 2,00 to $3,500 in the last month as well. My income is currently $45,000 and I don't have any loans.

I've been looking at the citi double cash but the person at the bank told me that since my secured card isn't going to become unsecured until 03/18, I might be rejected. I currently have 3 inquires from last year August as well.

So now I've been looking at teh Cap QS. Chase Freedom Unlimited and AMEX BCE, but I've been unasure as to my chance in getting approval. I'm also totally open to any recommendations, I just don't want to pay an annual fee lol

Thanks for all you help!!!

[IncrsCreditScore1]

Are you eligible to join Navy Federal Credit Union?

[Anonymous]

I'm not sure lol. I thought you had to be in the Navy to apply

[Anonymous]

I just did researchand I don't think I'd qualify for the NFCU

[SouthJamaica]

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@Anonymous wrote:

Hi everyone,

I'm a long time time lurker looking for a new card and any recommendations would be greatly appreciated. I currently have the Discover with a new limit of $3500 and a secured citi bank card with a limit of $200 . My current aaoa is 1.1 year. and my scores are as follows Tu-711, Equifax-691 Experian-702.

My utilization was 30% last month so I'm sure the scores will increase as utilization was 4% this month. My limit for the discover also increased from 2,00 to $3,500 in the last month as well. My income is currently $45,000 and I don't have any loans.

I've been looking at the citi double cash but the person at the bank told me that since my secured card isn't going to become unsecured until 03/18, I might be rejected. I currently have 3 inquires from last year August as well.

So now I've been looking at teh Cap QS. Chase Freedom Unlimited and AMEX BCE, but I've been unasure as to my chance in getting approval. I'm also totally open to any recommendations, I just don't want to pay an annual fee lol

Thanks for all you help!!!

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I would try for the Chase Freedom Unlimited.

[IncrsCreditScore1]

If you your grandfather or father or mother or a sibling were in one of the Armed Forces, you would be eligible.

[Anonymous]

Would you suggest that I apply now or wait until my scores are higher in a couple of days?

[Anonymous]

Chase should have no problem approving you for the Freedom Unlimited or the Freedom (or both!)

If you're not eligible for NFCU, there's always PenFed. How is your EQ Fico9 score?

[wasCB14]

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@IncrsCreditScore wrote:

If you your grandfather or father or mother or a sibling were in one of the Armed Forces, you would be eligible.

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Assuming the relative is alive and joins NCFU before OP does, right?

[Sandman771]

Not necessarily. If a family member is a veteran you can join. But in doing that it is better to call in and not try online.