Help me app for my last card of '15

[SouthJamaica]

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@Ysettle4 wrote:

There are so many CC products I'm sure there are even more I had no idea existed, so, I would love the community to chime in on helping me decide. However, certain restrictions apply

1. No non-VISA or MC retail/store cards: Already have Lowes and Sams club which is enough
2. No NFCU - no military affiliation to gain membership
3. No NASA - Closed out my membership earlier this year. They seem to not have their ish in order
4. No CUs - unless it;s super easy to setup and they are incredibly generous with initial CLs
5. No Chase products - they simply do not like me and 3x return the feelings
6. No Barclaycard products - 1 product is enough. I would let their CLD henchmen screw me over
7. No Synchrony - only because I'm pretty sure you have to be well north of 700 on TU to get any of their MC products
8. No US Bank - too conservative
9. No BofA - thanks to my ex and a paid CO from 2014.

Must be a VISA or MC cards only - related to first line item

Ok community, bring the suggestion on!!

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I don't really think you need another card, but it seems to me that you would benefit from a cash back card like the Cap One Quicksilver if you wanted to add something.

I happen to enjoy the Barclay Rewards card, too, but I see that you don't want another Barclays product.

[CreditCuriosity]

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@Ysettle4 wrote:

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@CreditCuriousity wrote:

Cabella's?  Although probably only a $4-5k starting CL.  

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I'm sub 700 on EQ so that'll be tough I think

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Cabella's is probably one of the easiest cards to get approved for... Although how useful it would be with your current line-up is questionable.   People with EQ's in the 630's are getting approved..  I am not a hunter so no need and also another EQ inquiry which I have plenty of already!   Although just another bank in your pocket if you want to diversify

[Anonymous]

It almost is as though u are apping just to  be apping.  I guess we are al guitly of this one time or another... But still...your scores could a boost...just enjoy what you have, request CLIs and go for the cap1 combination.

[Anonymous]

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@Ysettle4 wrote:

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@Anonymous wrote:

I must ask this question since I don't see it asked already.  What are you looking for this card to do for you?  Looking at your line-up, you seem very solid with your current cards.

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Diversity, honestly. Since I am not apping in 2016 or aftertime afterwards, I'm also looking for a solid line-up and focusing on growth only.

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Your lineup looks very diversified.  Another card won't make a difference really. If the goal is not to apply for anything in 2016, then a very good goal.  During that time, new cards will/may come out for you to apply for in 2017 if you so wish.

But if I were in your shoes, I'd stay put with the current line up of cards.

[Ysettle4]

Thanks guys but the more suggestion that come in the more I'm beginning to rethink my stradegy. Maybe stay put and let what I have grow? Love this community to help put things in perspective! I just may have to stay put.

[SouthJamaica]

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@Ysettle4 wrote:

Thanks guys but the more suggestion that come in the more I'm beginning to rethink my stradegy. Maybe stay put and let what I have grow? Love this community to help put things in perspective! I just may have to stay put.

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Now you're talking.

[Anonymous]

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@Ysettle4 wrote:

Thanks guys but the more suggestion that come in the more I'm beginning to rethink my stradegy. Maybe stay put and let what I have grow? Love this community to help put things in perspective! I just may have to stay put.

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This is exactly what you need to do.  You just got a very good card in the Prestige.  You also had a year that included AA from a major bank.  Enjoy what you have and garden for quite awhile.

[Anonymous]

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@Ysettle4 wrote:

Thanks guys but the more suggestion that come in the more I'm beginning to rethink my stradegy. Maybe stay put and let what I have grow? Love this community to help put things in perspective! I just may have to stay put.

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I agree with everyone.  One more card won't make a difference.  Stay put and work on CLIs and let your scores and credit profile age...

[JSS3]

Man, I'd scratch that itch so that gardening for a year would be more tolerable.

How about a FNBO product?

[Ysettle4]

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@JSS3 wrote:
Man, I'd scratch that itch so that gardening for a year would be more tolerable.

How about a FNBO product?

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Any cash back cards? Although I may stay put but as I originally sated, I also would like to know what's out there.