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My NFCU visa card was just increased from $7,500.00 to 15K. I plan on using this as my main card, as I always pay it off at the end of the month.
i also have 2 capital one cards that I like to get rid of as they have low limits(3K between both cards).
Any suggestions as to who I should apply for and might get approved. I'm almost 4 years post bankruptcy and burned a lot of the big names (chase, BOA, US Bank, GE (although I have 2 GE cards now), Citibank.
I also have a visa from my local credit union with a $2,500.00 CL.
Equifax score is holding steady at 686. (doesn't seem to want to o up and luckily does not go down) No lates since bankruptcy. Alll credit cards clean, except 9% utility on one. 2 car loans (once from July 2014 and one from April 2014) Apri'sl loan was already paid down 33%, will be completely paid off between March - April of next year.
Well, assuming everyone you burned tells you to go take a flying &%$@ at the moon--Discover? A Barclay card? I agree that unless you have one of their high end Capital One cards with a HUGE limit (and you have no desire for a future CLI), toss the Cap Ones. Although if you aren't paying an annual fee you can toss them in a sock drawer as they will help your AAoA. If you close them they will only help for ten years.
Fidelity AMEX or Citi Double Cash would be the obvious choices if not for the burns.
For me personaly I would dump Cap 1 whether I had a replacement lined up or not. Dealing with them simply isn't worth the headache...
@wacdenney wrote:Fidelity AMEX or Citi Double Cash would be the obvious choices if not for the burns.
For me personaly I would dump Cap 1 whether I had a replacement lined up or not. Dealing with them simply isn't worth the headache...
LOL! I hear you about CapOne....unless they can do something wonderful with my QS1, I think I'll be stepping away from Cap One (at least with that card)