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Just need some simple yes or no here...
I've been wanting to app for a card that gives me at least some form of kickback for my spending. Currently, I'm running everything on my Citi Sears card which gives points but are only good at Sears. I've been eyeing up the Discover IT and keep getting pre-approval invites from them. I've been meaning to wait until my credit situation is perfect (utilization, HPs, etc.) Here are my current stats...
Citi Sears MasterCard (Using $590/$3000) (had this card over a year)
Barclay's (Using $200/$2000) (had this card since June)
I always pay in full every month for whatever is on my statement.
Student loans that are paid ahead and a car loan paid on time I opened in July.
CRs are clean. HP's are TU: 3, EX: 4 (3 are for a car loan), EQ: 1
Am I just too scared to pull the trigger?? I really only have the cards I have because I needed to build revolving credit and I didn't want to pay the Mac up front and be out the money at once. Now I'm looking for a card that offers me something though.
Income around 52k a year.
1. Am I good to app or keep waiting? Potentially until I get the utilization on my cards to next to 0%
2. If yes, should I go for Discover IT or Amex BCE? What else would you guys recommend instead (Freedom, etc)
Thanks to everyone!!
@dbutz1109 wrote:Just need some simple yes or no here...
I've been wanting to app for a card that gives me at least some form of kickback for my spending. Currently, I'm running everything on my Citi Sears card which gives points but are only good at Sears. I've been eyeing up the Discover IT and keep getting pre-approval invites from them. I've been meaning to wait until my credit situation is perfect (utilization, HPs, etc.) Here are my current stats...
Citi Sears MasterCard (Using $590/$3000) (had this card over a year)
Barclay's (Using $200/$2000) (had this card since June)
I always pay in full every month for whatever is on my statement.
Student loans that are paid ahead and a car loan paid on time I opened in July.
CRs are clean. HP's are TU: 3, EX: 4 (3 are for a car loan), EQ: 1
Am I just too scared to pull the trigger?? I really only have the cards I have because I needed to build revolving credit and I didn't want to pay the Mac up front and be out the money at once. Now I'm looking for a card that offers me something though.
Income around 52k a year.
1. Am I good to app or keep waiting? Potentially until I get the utilization on my cards to next to 0%
2. If yes, should I go for Discover IT or Amex BCE? What else would you guys recommend instead (Freedom, etc)
Thanks to everyone!!
You could apply for both of those if you want. And a Sallie Mae rewards Mastercard. I like App sprees in groups of 3.
Ideally you would get one of your existing cards to report a zero balance first.
The Barclay's card $200 is still from the Mac I put on it with 0% financing. I've been waiting to get that to $0, paying $100 a month, but I'm really starting to get the itch to app for better cards. Whats the best way to approach an app spree? Never done one.
BEST WAY---- APPLY APPLY APPLY
Shamefully giving myself a comment bump in hopes that I get some more feedback. Returning to my hole now...
I think you're safe to apply for both the cards you listed. All we need is for CreditAddict to come here and say "do it! do it now!!!!" and you'll really know you're good to go lol.
@notfancy wrote:I think you're safe to apply for both the cards you listed. All we need is for CreditAddict to come here and say "do it! do it now!!!!" and you'll really know you're good to go lol.
DO IT! DO IT NOW!!
Oh and I recommend Amex BCE or BCP if you can make it worth it, Discover it, and Freedom all at once
@Creditaddict wrote:
@notfancy wrote:I think you're safe to apply for both the cards you listed. All we need is for CreditAddict to come here and say "do it! do it now!!!!" and you'll really know you're good to go lol.
DO IT! DO IT NOW!!
I literally LOLd