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I need 4 cards from this list of 10!

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aloush11
Regular Contributor

Re: I need 4 cards from this list of 10!

Just make sure you do the inquiry sensitive ones first so you have less of a chance to get denied. I say do Amex Citi chase and BOA or USAA first. They are usually inquiry sensitive.. and now that I think about it they all are inquiry sensitive. Lol and keep in mind what @Drkaje said.. why do you need these cards
Message 21 of 28
vagrants
Regular Contributor

Re: I need 4 cards from this list of 10!

If I was a studnet, I'll try my hard to get 5% on bookstore category. Text books are expensive.

AMEX Cash Rebate (this isn't Costco, older version of Blue Cash), AMEX Blue Cash, AMEX BCP, AMEX SPG (personal), Barclay Sallie Mae Plat MC, BBVA Compass NBA AMEX (No AF), Capital One QuickSilver VISA Sig, Capital One QuickSilver World MC, 2x Chase Freedom VISA Sig, Chase Ink Bold World Elite MC, Citi Dividend AMEX/World MC, Citi Double Cash, Citi Hilton VISA Sig, Discover More, Discover It, Fidelity AMEX, Huntington Voice World MC, MyPoints Rewards VISA, 2x US Bank Cash+ VISA Sig
Message 22 of 28
enharu
Super Contributor

Re: I need 4 cards from this list of 10!


@xgac12x wrote:

So in December I am looking to apply for about 4-5 new cards. Currently have a Capital One Secured (Which after I get these new cards I'm getting rid of) and a Discover It. I am a student, I don't buy groceries, just gas and restaurants and I dont travel..anyways here is the list I am slimmed it down too. I need to get to about 4-5 cards from this list, any I am open to suggestions as well.

 

1. Chase Freedom 

2. Citi Forward for students

3. Citi Dividend for students

4. Bank Of America Student Cash Rewards

5. Suntrust Cash Rewards

6. USAA Visa

7. Sallie Mae World Mastercard

8. AMEX BCE

9. AMEX Green

10. Capital One Quicksilver Rewards

 

I am looking to get a relationship with American Express, I am starting a business soon so I would like to have a good relationship with them so I can get a nice business card (platinum or centurionSmiley Surprised

 

Anyways let me know what you guys think I should get! 

 

Thanks. 


I would probably recommend those 4, but it really depends on what you're spending on. Amex BCE is nice to have even though you don't buy groceries, simply because of the extended warranty and what not. 

 

Discover IT is also another card that you can consider.

 

It will also depend on your credit profile. I don't think it may be a good idea to add 4-5 cards all at once if your file is thin.

 

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 23 of 28
12njoy
Super Contributor

Re: I need 4 cards from this list of 10!

Amex BCE or better yet Amex BCP

Amex Premier Rewards Gold

USAA Platinum Mastercard
Chase Freedom

(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
___________ 12Njoy
FICO - EX 825; EQ 807; TU 810 I'm climbing back to 800+
Message 24 of 28
thelethargicage
Valued Contributor

Re: I need 4 cards from this list of 10!

Freedom
Sallie Mae
BCE (I'd go for BCP if I were you)
Quicksilver

Don't bother with rest. And get a card with dining rewards that actually has a 1:1 conversion to cashback (Sapphire, Cash+)


Message 25 of 28
paramed3
Regular Contributor

Re: I need 4 cards from this list of 10!

I Agree adding 4 at one time will take forever to live down. That will devasate your credit score at first if you can even get them at all. My file is in mid to upper 700 and I still will not apply for the Quicksilver I have been told by them if you do not have 5 years on one card with a certain credit limit and payment history is PERFECT you are wasting your time to apply. That straight from Cap One. I did not have the 5 years on one card. I had the payment history but not the time lines they are looking for to be considered EXCELLENT Credit. Heck I am in upper 700 and can not even get a CL increase. Said last one was less than 6 months ago. Thank God their CL checks are not hard.

Starting FICO Score 2007: >> >> 533 -- God those were some Dark Days !!
Current >>>> 9-29-15 - (Experian 800 FICO-8 - (Equifax 798) - ( Transunion 808 )FICO Goals: 820-830 For all 3 or above
Ultimate Fico 850 x 3 Even if for a week Just to say I crawled out of the sewer and trust me it was the pits. I could not borrow a cent
Message 26 of 28
xgac12x
Established Contributor

Re: I need 4 cards from this list of 10!

What if I just applied for the Chase and the Amex. I think that would be my best bet 

CARDS: CAPONEQUICKSILVERONE - $3,000.00
Message 27 of 28
drkaje
Senior Contributor

Re: I need 4 cards from this list of 10!

What were the verdicts?


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 28 of 28
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