What CC should I try for?

[Anonymous]

Would like to get a Citi or an Amex, as I think I have hit my limit with Chase, Cap One and Discover.

TU Fico 735, clean report, 13 AoAA

EX FICO 675 may have one < $100 baddie, not sure

EQ FICO don't know, but I would guess low-to-mid 600s

Have:

Walmart GEMB $5K

Amazon GEMB $5K

Paypal GEMB $1.5K

TJMaxx GEMB $1K

Target $500

Chase Branded: $2.5K

Chase Freedom: $1K

Barclay Rewards MC: $1.5K

Discover IT: $1.5K

Cap 1 Quiksilver 1: $1K

Recently Denied or Need More Time:

Chase Amazon (waiting, but already have 2 recent cards with them, so I'm thinking denial for that reson)

Cap 1 Venture (denied after QuikSilver approval)

Barclays Priceline (denied right before the barclays approval)

Barcalys arrival (waiting, checked app status site)

Citi Expedia (waiting)

AMEX Hilton (denied)

Marathon Visa (waiting)

[jenn_bar]

A few questions!

What type of rewards are you looking for in your new CC?
When was/were your last app(s)?

[Anonymous]

Honestly, don't really care about rewards. They are just a nice perk for me. I mostly care about no annual fee or a low one that might get waived later on. A 0% intro APR in nice, but not required. All the ones I have gotten so far have been 12-15 mos 0% APR. 

My last app was yesterday.

[DrJim]

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@Anonymous wrote:

Would like to get a Citi or an Amex, as I think I have hit my limit with Chase, Cap One and Discover.

TU Fico 735, clean report, 13 AoAA

EX FICO 675 may have one < $100 baddie, not sure

EQ FICO don't know, but I would guess low-to-mid 600s

Have:

Walmart GEMB $5K

Amazon GEMB $5K

Paypal GEMB $1.5K

TJMaxx GEMB $1K

Target $500

Chase Branded: $2.5K

Chase Freedom: $1K

Barclay Rewards MC: $1.5K

Discover IT: $1.5K

Cap 1 Quiksilver 1: $1K

Recently Denied or Need More Time:

Chase Amazon (waiting, but already have 2 recent cards with them, so I'm thinking denial for that reson)

Cap 1 Venture (denied after QuikSilver approval)

Barclays Priceline (denied right before the barclays approval)

Barcalys arrival (waiting, checked app status site)

Citi Expedia (waiting)

AMEX Hilton (denied)

Marathon Visa (waiting)

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From what I see you have 10 cc's with another 3 pending.  You're not looking for a rewards card.  So, I just have to ask the question, why are you looking for another card?  I would garden, garden, garde, and grow those CL's.  Not the question you were asking, I know, but what I think is probably your wisest course.

[ezdoesit]

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@Anonymous wrote:

Would like to get a Citi or an Amex, as I think I have hit my limit with Chase, Cap One and Discover.

TU Fico 735, clean report, 13 AoAA

EX FICO 675 may have one < $100 baddie, not sure

EQ FICO don't know, but I would guess low-to-mid 600s

Have:

Walmart GEMB $5K

Amazon GEMB $5K

Paypal GEMB $1.5K

TJMaxx GEMB $1K

Target $500

Chase Branded: $2.5K

Chase Freedom: $1K

Barclay Rewards MC: $1.5K

Discover IT: $1.5K

Cap 1 Quiksilver 1: $1K

Recently Denied or Need More Time:

Chase Amazon (waiting, but already have 2 recent cards with them, so I'm thinking denial for that reson)

Cap 1 Venture (denied after QuikSilver approval)

Barclays Priceline (denied right before the barclays approval)

Barcalys arrival (waiting, checked app status site)

Citi Expedia (waiting)

AMEX Hilton (denied)

Marathon Visa (waiting)

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Just wondering why is their such a difference on all three scores?  735 tu 675ex  low to mid 600 on eq big differences in scores.  I would hold off and possible apply only on cc that pull Tu and maybe ex.  So do some research on that front to give you the best chance of approval.  I do think that Barclays pulls Tu primary.  Good luck on the ones you are waiting to hear back from and sorry about the ones you got denied for. 

[jenn_bar]

I would hold off for a while. If you've apped for all of those cards recently, you probably have a lot of inquiries and new accounts posting to your credit score. Although your score will increase after some time, you're going to take a hit for now.

Not only that, citi is very inquiry-sensitive, so I'm not sure how approving they would be with the recent inquiries. I would assume AMEX would be the same.

My advice would be to lay low for 6+ (ideally more) months and figure out why and what you need another card for. Maybe at that point you can product change a card, increase some limits, or apply for one that fits you well.