Ready to App! I think

[TrialByFire]

I'm finally pulling the metaphorical trigger within 24hrs, after a long rebuilding process.    What cards do yall think I have a decent shot at?    Scores are EX 671, EQ 690, and TU 656. Util is at 3%, baddies are at least 3+ years old. Income slightly over 100,000. I'd like to add 2 or 3 cards, preferably rewards/cash back category. Really anything will work...ready to step up from secured CC. AAoA 5-6yrs depending on CRA. 7 INQs in last 12mo.

[Skye12329]

Discover, Chase, cap1 qs, would be a start for cash back. Im not sure how amex is with baddies, someone could chime in on that one.

[Creditaddict]

What cards and limits do you currently have?

[TrialByFire]

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@Skye12329 wrote:
Discover, Chase, cap1 qs, would be a start for cash back. Im not sure how amex is with baddies, someone could chime in on that one.

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You think the scores listed are high enough? It's been YEARS since I've been in a position to even think about apping, so I have a "glass half empty" mentality at the moment

[TrialByFire]

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@Creditaddict wrote:

What cards and limits do you currently have?

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WF secured $1,000 and C1 secured $200

[Creditaddict]

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@TrialByFire wrote:

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@Creditaddict wrote:

What cards and limits do you currently have?

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WF secured $1,000 and C1 secured $200

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Have you checked the pre-qual offers at each bank website for chase, citi, discover, Amex for starters?

[JGuz649]

7 INQ total, but how many on EQ, EX or TU? Are any of the baddies with a certain bank?

Since trans is your lowest score I would likely shy away from Barclay and Capital One(they pull all three). I would also shy away from Citi personally because their backoffice team does not budge as well as others.

 would take a look at the pre-qual thread and see what offers Amex, Chase and BoA present to you based off of a soft pull. That won't be a promise of approval but it is a toe dip in the pool before taking a dive in. I personally would go with the great Chase freedom offer to get your foot in the door, or jump right into a Chase Sapphire Preferred. Your income should more than make up for the aged baddies.....good luck!

[TrialByFire]

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@Creditaddict wrote:

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@TrialByFire wrote:

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@Creditaddict wrote:

What cards and limits do you currently have?

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WF secured $1,000 and C1 secured $200

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Have you checked the pre-qual offers at each bank website for chase, citi, discover, Amex for starters?

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Yeah I've checked them all, including credit one, and none of them return any results

[09Lexie]

From OP' s previous thread

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-IT-approval/td-p/3122674

[Creditaddict]

How old are the 2 secured cards?