What Card Should I Apply For?

[Anonymous]

Hey Fico fam! So I want to go on an app spree today, can anyone help me and advise what card or cards I should apply for or have good chance of getting approved? My scores are below:

FICO - TU-656 EXP-650 EQ-712
Vantage- TU-712 EQ-670

major cards I have are chase freedom 10k and sapphire 24k.

What cards do you all recommend? I would like 5k plus limits if possible.

[Anonymous]

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@Anonymous wrote:
Hey Fico fam! So I want to go on an app spree today, can anyone help me and advise what card or cards I should apply for or have good chance of getting approved? My scores are below:

FICO - TU-656 EXP-650 EQ-712
Vantage- TU-712 EQ-670

major cards I have are chase freedom 10k and sapphire 24k.

What cards do you all recommend? I would like 5k plus limits if possible.

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What is your AAOA?

Any baddies?

Any other loans in profile?

Credit card balances vs CLs?

Inquiries? in the past 1 yr and 2 yrs?

Date of last CC/s?

Don't rely on Vantage, only FICO 8.

[HeavenOhio]

Is there any reason your spree has to be today? What are you looking for? Are you wanting to get into another travel program, or would you prefer cash rewards? What other cards do you have currently?

One thing that comes to mind is to go for the Freedom Unlimited so you have the "Chase trifecta." That'll allow you to make the most of your Chase points. Don't do that if you have more than five new cards in the past 24 months, though. If you're approved for the FU and the limit is lower than you'd like, you can move limits between cards.

AMEX is known for its limits, but I'm not sure how they'd react to your profile. You currently have decent limits. That often coaxes nice limits out of new lenders. But your Experian score is on the low end. It's hard to predict what they might do.

[AverageJoesCredit]

With those limits you should be good to go but all depends on what your needs are. Your Eq looks great for a Citi or Disco card but they can also pull Ex so... Might check out credit unions like Navy or Penfed. Hard to say really without knowing what you want to use for.

[Anonymous]

What is your AAOA? About 4-5 yrs
Any baddies? 2 small collections on EXP and TU totaling $1800
Any other loans in profile? Just gotta new car Friday so 5 inquiries on my EXP
Credit card balances vs CLs? 22% ratio on cards
Inquiries? in the past 1 yr and 2 yrs? 14 total inq

[Anonymous]

What citi cards do you recommend?

[K-in-Boston]

Good advice so far.  Just my $0.02, but a limit over $5k with any of the major lenders that would pull your TU or EX scores seems unlikely.  You could always check the Citi prequalification page to see if they are offering you any cards with set APRs rather than a range like "12.49-25.49% depending upon creditworthiness."  It's difficult to suggest a card without knowing what you are looking for in a credit card - low APR, cash rewards, travel rewards (flexible or for a specific program), balance transfers, etc... and also what your spending looks like.

[Anonymous]

Travel rewards, low apr and balance transfers really... no charge cards

[AverageJoesCredit]

Knowing the kind of card you want is half the battle so you can attack it head on

[Anonymous]

Im thinking cap1 venture? Discover IT? Amex blue Cash?