Inquiry Friendly Credit Cards?

[Anonymous]

My Fiance is Rebuilding and looking to add 2-3 unsecured cards with decent limits (would love to see each in $10k range), she has lots of inquiries though 15 Eqfx, 15 Exp, 18 TU.  Most of the inquiries are 12+/- months old (most where racked up at the auto dealer when buying her car, they checked a ton of different lenders).  

Gross yearly income is $135k (W2 so income can be proven).

AAoA is 5.8 years

Credit Card Utilization is under than 20% on every card.  

Scores 670 EqFx/ 675 EXP,  685 TU (from MyFico Report).

About 3 charge-off from 5-6 years ago (CO - Citi $25k, CO- Chase $7k, CO - BofA $5k) - Assuming these 3 issuers would likely deny.

No baddies or lates since then.  

Current Cards 

-7 SynchBank cards (2 of which are Credit Cards - Walmart $18k & Ebates $12k) with total limits of $90,000

-Merrick (Secured) $300 

-US Bank (Secured) $300

-Wells Fargo (Secured) $300

-Capital One QS1 $1,500

-Capital One (Secured) $1,000

-Credit One Bank $1,250

-Applied Bank $1,000 (Secured)

-Auto Loan with Wells Fargo Dealer Services (5.25%) - $35k balance on $42k loan.

Any suggestions would be greatly appreciated.

[rcrdoeva]

Venture by capital one. And go for both the venture and venture one. Just my 2 cents

[Anonymous]

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@rcrdoeva wrote:
Venture by capital one. And go for both the venture and venture one. Just my 2 cents

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Agreed!

In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; PenFed Platinum Rewards Visa 10k; PenFed Promise 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; BA Travel Rewards 3.5k; BA Travel Rewards 3.5k; BA Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 86,200. 7/2-FICO: EQ - 788; TU - 779; EX - 690; Utilization: 10%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 7 TU: 6; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 7/7. Gardening until further notice.

[OmarGB9]

I'd definitely go for the venture as well. She may very well get an SL of mat least $15k based on other users' results. If approved, I'd also recommend dumping all those cards with "toy limits."

[morgacj2004]

CO would be my first choice. Venture is great because they are handing out high ICL right now. Forget Chase they only allow 5 inquiries last 2 yrs. they wouldn't approve anyway with CO.  Forget Citibank and Bof A. Maybe AX.  Barclays is inquiry sensitive although not anal like Chase.  

[Callandra]

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@morgacj2004 wrote:

CO would be my first choice. Venture is great because they are handing out high ICL right now. Forget Chase they only allow 5 inquiries last 2 yrs. they wouldn't approve anyway with CO.  Forget Citibank and Bof A. Maybe AX.  Barclays is inquiry sensitive although not anal like Chase.  

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Are the COs paid? If not, Barclays might be a tough approval. 

[kdm31091]

Capital One is generally not super hard to get in with, even with a ton of inquiries. The Quicksilver or Venture is a good choice. You will get a higher limit on the Venture typically but you have to decide if it lines up with your spend (you only get the full 2% with travel related redemptions, so if travel isn't really part of your spending the QS makes more sense).

Someone mentioned Barclay's, I will echo they do not like a lot of new inquiries/accounts, nor does Citi or Chase typically. From what I have heard BOA is pretty tough also (and IMO, they don't have very competitive cards but that's YMMV).

[Anonymous]

Can you apply for Venture AND Venture One on the same day/ within hours or minutes of each other? I was under the impression you could do so with QS and Venture,  but not Venture and Venture One. is it possible?

[kdm31091]

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@Anonymous wrote:

Can you apply for Venture AND Venture One on the same day/ within hours or minutes of each other? I was under the impression you could do so with QS and Venture,  but not Venture and Venture One. is it possible?

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I think it's fine, they're different products.

Why you would want to, though, is an entirely different story...Venture's fee is waived for year one so apping for the Venture One in tandem makes little sense over a Quicksilver.

[Revelate]

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@kdm31091 wrote:

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@Anonymous wrote:

Can you apply for Venture AND Venture One on the same day/ within hours or minutes of each other? I was under the impression you could do so with QS and Venture,  but not Venture and Venture One. is it possible?

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I think it's fine, they're different products.

Why you would want to, though, is an entirely different story...Venture's fee is waived for year one so apping for the Venture One in tandem makes little sense over a Quicksilver.

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Think it's really based on your needs: for people on this forum I would suggest a QS isn't a long term card, nor is a VentureOne when we're talking tandem app with Cap 1.  Agreed long term Venture + Quicksliver is better as the Quicksilver is outright a better card than the Venture One.

That said, when building an aggregate tradeline though... well put simply my only real reason for picking up a Venture is to tack a 20k tradeline on my reports if I need it post Chase application (stranger approvals from Chase have happened in recent weeks than that) with the recent reported information which probably needs some more verification of Capital 1 now willing to combine limits, I think a Venture One might offer higher starting lines than the Quicksilver if the ultimate goal is to simply pile everything onto one card or the other after a year or whatever?

In that scenario the QS rewards package is irrelevant and picking up the higher limit of the two is the way to go... though I've heard of multi-Venture card approvals too in which case I don't get the Venture/VentureOne combo personally unless you can't meet the bonus spend target.