What card should i apply for?

[Anonymous]

My EQ FICO: 748

UTIL: 2%

Cards: 5

TOTAL LIMIT: 17000

AAOA: 2 years

OLDest: 5 years

Inquiries: 3 from mortage 3 months apart

Trans : 75

EXP : 743

I'm closing on mortgage on 8/30th, and on the 31st I'd like to go on an app spree.. wanting your advice on what i should apply for.

Thanks.

[wHiTeSoL]

Which cards do you have already, and what are you goals? 

[09Lexie]

Welcome to the forum! Congratulations on your pending closing.

As wHiteSoL mentioned, what cards do you currently have? What types of cards are you looking for? I would assume cashback, home improvement but that might not be accurate.

[Slab]

If you don't have it already AMEX BCE. IMO

[Anonymous]

I have

Discover - 11350

BOA - 1000

CapitalONe - 750

Zales/Citi - 4200

CapOne - 2000 (authorized user)

These are the only ones i have. Goal is to get a higher limit card, so that i can buy furnitures and tiles and things of that sort. I want to do multiple inquiries in the same day so that one hits EQ and other ones hit EXP and TU respectively.

Thanks in advance

[09Lexie]

When is the last time you got a CLI from BoA? I'd app for Lowes -s/b TU for home improvement.

[Slab]

AMEX usually hits Experian.

[Anonymous]

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@Slab wrote:

If you don't have it already AMEX BCE. IMO

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Why?  Might not fit the spending patterns.  And, ALWAYS, go for the BCP over BCE.

[Slab]

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@Anonymous wrote:

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@Slab wrote:

If you don't have it already AMEX BCE. IMO

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Why?  Might not fit the spending patterns.  And, ALWAYS, go for the BCP over BCE.

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I said IMO. Why? Because some of us just don't care for paying a yearly fee.

[Jungook]

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@Slab wrote:

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@Anonymous wrote:

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@Slab wrote:

If you don't have it already AMEX BCE. IMO

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Why?  Might not fit the spending patterns.  And, ALWAYS, go for the BCP over BCE.

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I said IMO. Why? Because some of us just don't care for paying a yearly fee.

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Agreed, it does make sense that the BCP > BCE but it requires you to spend more and though you're getting more cash back, your net spending can be far greater than without it.