Should I go for Chase Freedom and Capital One Quicksilver?

[Creditaddict]

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@samm90 wrote:
I too recommend a blue cash and IT. If you do go Amex make sure you use cards match to get the best sign up bonus.

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he tried it yesterday and did not get matched.

he is also not getting pre-qual at cap1.

I think the fab scores are being shuttered by the very thin file so I still agree he will probably get approved for all the cards but will just have to cold app them all and that's why I think it's proof even more that it needs to be done!

[Creditaddict]

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@Creditaddict wrote:

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@samm90 wrote:
I too recommend a blue cash and IT. If you do go Amex make sure you use cards match to get the best sign up bonus.

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he tried it yesterday and did not get matched.

he is also not getting pre-qual at cap1.

I think the fab scores are being shuttered by the very thin file so I still agree he will probably get approved for all the cards but will just have to cold app them all and that's why I think it's proof even more that it needs to be done!

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or she... sorry op depending

[Swapmeet]

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@Creditaddict wrote:

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@Swapmeet wrote:

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@Anonymous wrote:

What are some higher tier cards I should go for? I dont care for traveling miles, and I don't really care for low interest since I don't buy anything I don't already have the money for. Maybe in the future Ill need a low interest card, but by then my credit score will be so high that it wont be a problem to apply for the best one. The quicksilver has 1.5% cash back on everything so thats better than my 1% on my bank of america cash rewards cards..

If I do get approved for my cards how should I got about asking for a credit limit increase? Is their anyway to do it without a hard pull?

Thanks yall for the replys! 

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If I were you, I would apply for the Freedom, BCE, Discover it, and quicksilver. That would be a solid mix of high tier cards--save for the qs, but 1.5% on everything is nice...I am tossing around the idea of apping for that one in my Feb app spree.

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I would get BCP not BCE but this would be my suggested line up too... but for sure the Cap1 and Chase Freedom are great starters for you to do first.

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You are right CA. I wish that I would have gotten the BCP instead of my BCE, but I figured that the lack of an AF would be better for a young man who is just starting out.

[PhoenixDown]

I suggest starting with the Amex BCP. Wait the 61 days and ask for a 3x CLI. Once the new credit line hits your reports, apply for the Freedom and the Discover IT cards.

[Swapmeet]

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@PhoenixDown wrote:

I suggest starting with the Amex BCP. Wait the 61 days and ask for a 3x CLI. Once the new credit line hits your reports, apply for the Freedom and the Discover IT cards.

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The only problem with this is that when it hits, it will lower an already thin AAoA--which is why I think that they should all be done at once. Then garden while taking andvantage of SP CLI where you can.

[Apinzon2374]

There are two versions of the Quicksilver (a Visa one with no AF and the MC version which is Quicksilver One and has a $39 AF which the EO can waive).

[H4LO]

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@Apinzon2374 wrote:
There are two versions of the Quicksilver (a Visa one with no AF and the MC version which is Quicksilver One and has a $39 AF which the EO can waive).

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One requires very good credit, and the other doesn't. Ask me how I know... Denied the QuickSilver but the EO took care of me.

[Anonymous]

So is it safe to assume there is a very high chance I get approved for the quicksilver and chase freedom? When I apply online, how soon could I know if I'm accepted?

[Creditaddict]

Instant on capital one and possible instant with chase or call Monday for follow up on app.

[Anonymous]

Ironically got instantly approved for $2500 for chase freedom and capital one said "7-10 days" until I find out... Do you still think I should get a costco american express before my 1.5 year gardening?