New Apps to consider

[Anonymous]

So heres the deal.  Need to decide on 1 maybe 2 new apps

I sat in the garden and did my time, paid my dues....   ran high util and paid well.  Now I am in the clear open field

DATA:

Jan 2019  - FICO8 640   - 85% Util (24K of 28K) DTI:  ~

Jun 2019  - FICO8 740+ - 16% Util (  9K of 58K) DTI: 16%  3 CC < 49% + 1 Store Card < 22%  -  6 CC's= 0 Bal  - 2 Installs - 1student/1Prosper

Lates: NONE  -   NO BK Reporting

AAoA 5 yrs

Old - 15yrs

2 TU   -  0EX   -   0EQ

2 TU Inq were:  Prosper opened April / NFCU CC opened May 2nd

2/6  -  0/12  - 0/24 

FNBO           0/5250

Discover      0/3900

Cabelas       0/1500  (willl not go above 1500 w/BK showing, HP CLI)   eligible now for CLI

PPMC          0/1900  (never an CLI - converted SmartConnect Line --> PPMC 321Rewards)

QS1              0/2750

Mercury       3300/6600

Merrick        1750/3600

Amz (Sync) 1000/4500

Venture1      1450/3000

NFCU            0/25000

Closing after TBD is open

Waiting for 91/3 NFCU Plat app date:  Aug 3

"But in the mean time, I was still thinkin"....     1 Prosper -  1 NFCU GoRewards  -  1 TBD  -   1 TBD  -  1 NFCU Plat

Citi Prequal:  3 - Firm rates - Rewards, Simplicity, Double Cash

Cap One Pre:  ALL - Savor, Venture, QS - firm rates

AE Prequal:  Gold, BCP, ED   (BL maybe) dont think so though.

Discover:  IT, Miles, BT  firm rates

Chase:   NADA

BOA:  Trouble, they took the heat in the 2009 BK them and MBNA - You may have heard, they needed to be bailed out..  ;-)

1st Choices:   Citi Primier, ChaseSP, AE ED (to get back in)

Desires:  No FTF - 

Concerns:  Chase closures, Finicky USB, scared Barclaycards

Alts:  UBER- We eat & Drinks a bit - 4% Food/Bev  No FTF & some trick travel features - But its Barclay and I spend wierd

And the Crowd nominees for TBD #1 & #2 are????    All advice and ideas are welcome

I saw the Flowchart for applications, to heavy on Chase for me... 

[pinkandgrey]

I would go for the Amex ED and the Citi Premier. I didn’t see a specific prequal for the Premier, but with all those other prequals I would think you’d be okay. The ED is probably the safest bet of the bunch though. Plus you want to get back in with Amex and who can blame you lol 

Good luck!

[Anonymous]

"I would go for the Amex ED and the Citi Premier."

I believe they both pull EX, if so... I wonder if one wants to be first...

[Anonymous]

Double cash

Gold

[Anonymous]

---

@Anonymous wrote:

"I would go for the Amex ED and the Citi Premier."

I believe they both pull EX, if so... I wonder if one wants to be first...

---

Citi is like Chase... they always want to be first w/ their restrictions on INQ's / Accounts.

[Anonymous]

chriswmfeng

"Double cash & Gold"

Good combo, but 2% gets beat by Navy3%,   Citi Premier rolls 3%gas + 2% food  and UBER gets 4% food & Bev and NO AF

The Gold is a contender, but for the 250AF hurts it, I know the offsets that get it close, but its also a charge card.  Almost time for a charge, not just yet...   THe AE ED gets me set up for Gold or Plat when the time is right. 

[Anonymous]

"you want to get back in with Amex and who can blame you lol"

She did love me long time before... cannot lie.  Just dont wanna get a decline on a cold citi app and then have to ask AE to be my date to the prom

[mikesonthemend]

 Good luck whatever you decide.

Here is a link if you want to save $39/year by product changing from QS1 to no AF QS.

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

Amex won't care about any Citi daliances, she just wants to be paid.

[Anonymous]

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

Thanks, this has been handy in the past but I recently turned 1 QS1 into the Venture1 and got a CLI ($250) on the other rendering them both inelegible for anything until November sometime (6 months)

Cap One froze me pretty good with those two virtually meaningless actions.  All I want from Cap one is one card, I have three cap1 serviced or owned cards...  closing the Cabelas as soon as TBD get up and running.  That leaves 2, I just dont want to be forced into a new app for a non bucketed QS - Hopefully the remaining 2 cards morph somehow into a QS in November