@Anonymous wrote:Great job on improving your credit, OP! Your scores not bad, but I would like some data points so that I can give you a well-informed answer.
Thank you! I just closed on my first home and only want to add a couple more so that all inquiries age off at te same time, not to run up debt, my current bal is $ 178/12,000.00
Sounds good! 
Based on your scores, you should consider the Capital One Quicksilver One card or the Amex Blue Cash Everyday card. Maybe if you are lucky, the Capital One Venture card.
Out curiosity, do you have any negative information on your credit report? 
A few lates from 4 or 5 yrs ago and a 6 yr old chap 13
@Anonymous wrote:Out curiosity, do you have any negative information on your credit report?
Thanks for getting back to me!
In that case, check Amex's pre-qual. page and Capital One's as well, but I think you have a pretty good shot for the Cap One Quicksilver One card. Your scores are commendable (seriously, you have done well!), and Cap One has lenient underwriting requirements.
Oh, I forgot to mention the Chase Freedom card. Chase is generally conservative, but you may get approved because your baddies are 4 to 6 years old. If the computer denies you, however, you may get approved by convincing a credit analyst to reconsider your application.
Sorry if the initial replies sounded rude, but they do include information you should consider prior to an app spree, so they are actually constructive.
An app spree of 3 to 9 CC in one day leads to a lot of activity on your file. Lenders such as Chase and AMEX, and to a lesser extent Citi are clamping down to reduce the amount of card apps. For your long term relations with these banks, slow and deliberate is the new “spree”.
With some baddies on your file, that may lessen your successful apps. Taking your time to show these lenders you are now trustworthy is doubly important.
Many app sprees rely on store cards to generate the volume of approved appps, and these accounts can be useful to some people. The limitations such as Chase 5/24 need to be considered, since Chase has quite a few nice cards you may want.
You can do the spree, that is your decision to make, but it is best to make these choices with all available good information. That’s why you came here, to gain insight.
An app spree of 3 to 9 CC in one day leads to a lot of activity on your file. Lenders such as Chase and AMEX, and to a lesser extent Citi are clamping down to reduce the amount of card apps. For your long term relations with these banks, slow and deliberate is the new “spree”.
With some baddies on your file, that may lessen your successful apps. Taking your time to show these lenders you are now trustworthy is doubly important.
Many app sprees rely on store cards to generate the volume of approved appps, and these accounts can be useful to some people. The limitations such as Chase 5/24 need to be considered, since Chase has quite a few nice cards you may want.
You can do the spree, that is your decision to make, but it is best to make these choices with all available good information. That’s why you came here, to gain insight.
Hi there!
I am not sure whether you are addressing my comment, but I will respond to you anyway.
First, you do not sound rude; rather, you make you valid points!
Prime lenders may be hesistiant to extend credit to the OP due to years-old baddies, but I do think that the OP has a solid chance if his or hers credit profile has improved and the he or she is practicing good credit-managing habbits. Of course this a "your experience may vary" type situation.
Thanks for your contribution to the thread!
You are totally right, Heaven!
My advice assumes (which is not good) that the OP app'd, say, a year ago, since the scores are much higher than someone who filed for bankruptcy recently. We should also ask the OP what lenders he or she burned in the bk—if Citi and Chase were included, the OP may be blacklisted.
Thanks for pointing this out! 