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What card should i apply for?

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Jungook
Regular Contributor

Re: What card should i apply for?

The OP could start looking at some cashback cards like the BCE, Freedom, IT or maybe some travel/points such as the CSP, PRG, and more acronyms.

Message 11 of 20
Themanwhocan
Senior Contributor

Re: What card should i apply for?

I would suggest trying to get a US Bank Cash+. If there isn't a local US Bank near you, the apply for the platinum. You can PC it to the Cash+ at a later time. I had a 732 when I applied, and I recall someone else applied with a 730, and we each got the same limit of $8,500 so since your scores are a bit higher I would guestimate you would receive at least that much. Cash+ has a 5% selectable category for Furniture stores. There is also a Department stores category. But, 5% is limited to $2000 spending per quarter. I had no problem applying for a second US Bank card 2 months later.

 

You should also get an American Express card, the credit limit increases fairly rapidly. Whichever one fits your needs the best, as everyone is different.

 

And yes, probably a store card for Lowes if you plan to buy your home improvement supplies from there.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 12 of 20
Rahman
New Member

Re: What card should i apply for?

1. Definitely AMEX Blue Cash - Experian

2. Citi Simplicity ? - Equifax

3. US Bank Cash+ Platinum - what CB does it hit?

 

I am looking for another card that might hit Transunion.

 

Any ideas?

Message 13 of 20
myjourney
Super Contributor

Re: What card should i apply for?

TU

Barclay

GE

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 14 of 20
09Lexie
Moderator Emerita

Re: What card should i apply for?

Barclays usually pulls TU. depending on your state Citi has pulled Exp. Discover pulls EQ/TU

Edit: typo
Message 15 of 20
Luscher
Valued Contributor

Re: What card should i apply for?

Chase Freedom
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 16 of 20
Rahman
New Member

Re: What card should i apply for?

which CB did Chase Freedom hit?

Message 17 of 20
Luscher
Valued Contributor

Re: What card should i apply for?

i think it was expirian and transunion for me
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 18 of 20
09Lexie
Moderator Emerita

Re: What card should i apply for?

Chase primarily pulls Ex but will pull additional bureaus if you are borderline.
Message 19 of 20
jjeckel
Member

Re: What card should i apply for?

Chase pulled TU for me. 

Message 20 of 20
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