One more app.. Which one?

[enharu]

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@armbenderc wrote:
I leading toward gardening more to avoid denied and toy limit. The 400 sign on bonus with Barclay is nice...

I think I will avoid BoA. So that will leave me with Wells Fargo.

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I like Wells Fargo a lot, but IMO now is a bad time to apply for their cards, unless you can really maximize those 3%.

They're supposedly coming up with new cards this fall. So might as well save the inquiry for then.

Barclays has really good sign-up bonuses, but chances are you will be having a lengthy discussion with recon explaining all those inquiries and new accounts.

And they're gonna be watching over you like a hawk for the next 6 months, so if you plan to app for something else in the near future, it's a bad idea.

[boomhower]

If you absolutely have to app right now I would reluctantly choose BOA.  Barclay is likely going to be either lower limit or denial due to the recent accounts.  Wells Fargo are just lackluster cards at best.  So that pretty much just leaves BOA.  I'd garden a few months and get the Barclays card. 

[HiLine]

Barclays is not lenient on inquiries and new accounts.

Wells Fargo doesn't have any decent credit card.

BofA is very generous on credit limits and has laxer standards. And their online banking is the best. And they have BankAmerideals. And they don't restrict payments. And they give you free entrances for select museums. Either the Better Balance, the Cash Rewards, or the Travel Rewards, would be a great card to have. If you plan to only spend a little each month, the Better Balance will give you the most rewards: $100 per year.

[armbenderc]

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@HiLine wrote:

Barclays is not lenient on inquiries and new accounts.

Wells Fargo doesn't have any decent credit card.

BofA is very generous on credit limits and has laxer standards. And their online banking is the best. And they have BankAmerideals. And they don't restrict payments. And they give you free entrances for select museums. Either the Better Balance, the Cash Rewards, or the Travel Rewards, would be a great card to have. If you plan to only spend a little each month, the Better Balance will give you the most rewards: $100 per year.

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I'll wait for barclay. Thinking about the Ring card.

[myjourney]

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@armbenderc wrote:

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@HiLine wrote:

Barclays is not lenient on inquiries and new accounts.

Wells Fargo doesn't have any decent credit card.

BofA is very generous on credit limits and has laxer standards. And their online banking is the best. And they have BankAmerideals. And they don't restrict payments. And they give you free entrances for select museums. Either the Better Balance, the Cash Rewards, or the Travel Rewards, would be a great card to have. If you plan to only spend a little each month, the Better Balance will give you the most rewards: $100 per year.

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I'll wait for barclay. Thinking about the Ring card.

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Best of luck ring is a good card 

[armbenderc]

Read that the Ring is very hard to get... How true is that?

They pull TU correct?

[enharu]

Ring is by Barclays. It's a relatively easy card to get, but Barclays is extremely strict on new accounts and inquiry sensitive, so for those people any card by Barclays is extremely hard or impossible to get