My gf is applying for her second credit card-any suggestions?

[Anonymous]

she started with a secured $1000 CL BoA Cash Rewards credit card in April 2017. 

BoA upgraded her CR secured to regular CR  with $2500 CL in January 2018.

She's always paying on-time and has 2 credit inquiries on TU. 

while I look at her credit karma, there's only TU score 731 as of now. NO EQ didn't check EX. what are the odds of applying for a new credit card? since only TU is reporting?  what cards would you recommend? 

I kinda wanted her to apply for either Uber by Barclays or Travel rewards by BoA, as I have these two cards and feel like they are pretty good in terms of bonus.  And I know Barclays and BoA in MA pull credit from TU, as they showed on my TU credit report.- but that's my noobie idea..

Can anyone chime in?

Thanks in advance!

[Shadowfactor]

Credit Karma is worthless score wise. Don’t pay attention to that score.

She’s had a credit card for over 6 months so she should have a FICO score by now at every agency.

I suggest having her sign up for creditchecktotal.com
They have a $1 trial that lets you see all 3 FICO scores. Just remember to cancel it.

Get those numbers and report back.

[Anonymous]

sounds great! let me do it in a second

[Anonymous]

"We have successfully completed your registration, however we were unable to pull your credit report due to temporary technical difficulties. Your credit card has not been charged."..lol

http://ficoforums.myfico.com/t5/forums/replypage/board-id/creditcard/message-id/1533800#

[simplynoir]

Check out creditscore.com that way you can at least pull up her FICO EX score for free and we can get a ballpark on where she stands at the moment.

[Anonymous]

No EQ? Her card doesn't report to Equifax? If that's the case which is surprising coming from a prime lender she should also check which lenders pull equifax and avoid those. 

[Shadowfactor]

I suggest she get her annual credit report from the governments website and see if the BoA card is reporting to all 3.
If it’s not, I would call BoA and ask why and ask them to fix it. They should and do report to all 3 agencies.

You can try discover’s Creditscorecard.com
You don’t need to be a card holder in order to join. That will give her EX FICO 8

She should already have TU FICO 8 from her BoA card monthly.

Report back with those 2 scores