@Anonymous wrote:Which Credit Card to Apply For??
If I could redo all my applications again which I began this April, I would hoard cash bonus sign ups but in a different order this time around. First I would apply for Chase Freedom when it is offering a $200 sign up bonus (I predict it will occur be before X-mas), and then the rest of the credit cards in my signature except for the store cards. It doesn't matter in what order. You'll have all the cash back for every category that exist from 2%-5%, the lowest being 1.5% with Capital One Quicksilver. From my point of view, they can be sales tax relief. 
The reason why you want to apply for Chase first is because they will automatically reject your application if you have more than 5 new accounts opened in the last 24 months. I went over that in less than 6 months and unfortunately, learned of their rules far too late.
@Anonymous wrote:
@Anonymous wrote:Which Credit Card to Apply For??If I could redo all my applications again which I began this April, I would hoard cash bonus sign ups but in a different order this time around. First I would apply for Chase Freedom when it is offering a $200 sign up bonus (I predict it will occur be before X-mas), and then the rest of the credit cards in my signature except for the store cards. It doesn't matter in what order. You'll have all the cash back for every category that exist from 2%-5%, the lowest being 1.5% with Capital One Quicksilver. From my point of view, they can be sales tax relief.
The reason why you want to apply for Chase first is because they will automatically reject your application if you have more than 5 new accounts opened in the last 24 months. I went over that in less than 6 months and unfortunately, learned of their rules far too late.
Are you saying to apply for Chase Southwest before my pre-approved offers from USAA AND Cap 1? Do you think Chase will approve me with my TU score and the judgments?
OP, you have banking accounts with NFCU already? They seem to be a popular card, you should talk with them about applying for a credit card.
If you go to the Citi prequalification link, what is the result that is returned? Do you get a single APR on the cards like the Double Cash or Simplicity? If so, a single APR (even if it is a higher APR) and not a range of APR, that is a good sign for that lender.
Fritz's notes about Chase are relevant, however it's probably a bit early to be strategizing to that level of detail. You first need to see if you get regular CC, such as NFCU. Take the application process slowly until you get another card, and that card has a few months to report, then re-evaluate at that point.
Good luck!
@Anonymous wrote:Which Credit Card to Apply For??
Hello Community! This is my first post. I've been trying to rebuild my credit for the past year. I've been reading posts here for the past several months and need some advise about which credit card to apply for? This is my first credit card in 30 years. I opened an Open Sky CC with a $200 cl and only have a 1% UTL just to have something to report to the CRA. Any advise would be much appreciated!My ScoresExperian Fico 8 - 715 (2 inq from car finance 8/2014)TransU Fico 8 - 669 (1 inq from car finance 8/2014; 1 inq from NFCU 4/2015)Equifax Fico 8 - 708 (5 inq from car finance 8/2014)Income around 65kBaddies2 judgments (State Lien) showing only on TU1 late payment showing on all 3 CRA, but have not been late in 12 monthsCreditOpen Sky Secure (opened Sept 2015) - $200 cl/UTL 1% (UTL 1% on Experian & Equifax, UTL 15% showing on TU-hasn't updated yet)Mortgage - 12 months on time pymtCar Loan with Cap One - 12 months on time pymtOther Background Information....- I currently have pre-approved offers from USAA Preferred Cash Rewards World MC and Capital One Platinum MC.- I have received offers, but not pre-approved, from Citi Diamond Preferred Card and Discover- I would really like to apply for Southwest Airlines Premier, Cap One Venture and Cap One QS and NFCU.- I have accounts with USAA and NFCU.Should I apply for the pre-approved offers first...both or just one? Also should I use the pre-qualified page for Cap One to see if I qualify for a different card? And how long should I garden after I apply for any cards?
I think your best bet would be the Cap One Quicksilver; an all around good card. Great cash back, easy and fast redemption, no fee balance transfers.
