your first priority is getting an unsecured card. your next priority after that is trying for good rewards cards and/or soft pull CLIs. Capital One fits this need perfectly since they give Soft Pull CLIs and their credit cards are pretty good too (though not as good as Chase or AMEX).
Bank of America is another recommendation if Chase denies you as they have one of the best travel credit cards after Chase and AMEX. cards like the BBR (no longer offered) Cash Rewards and Travel Rewards (the one in my sig) are loved by many since their cards offer $0 AF and Cashback with no frills. the travel reward card you can PC to it from one of the starter cards if you wanna start small with them and has no FTF and no AF which makes it one of the top travel cards and without question the best NO AF/FTF Travel card. if you don't plan to travel perhaps look at credit cards that offer other rewards such as flat percentage cash back with good CLIs.
@Anonymous wrote:
@wilmer007 wrote:your first priority is getting an unsecured card. your next priority after that is trying for good rewards cards and/or soft pull CLIs. Capital One fits this need perfectly since they give Soft Pull CLIs and their credit cards are pretty good too (though not as good as Chase or AMEX).
Bank of America is another recommendation if Chase denies you as they have one of the best travel credit cards after Chase and AMEX. cards like the BBR (no longer offered) Cash Rewards and Travel Rewards (the one in my sig) are loved by many since their cards offer $0 AF and Cashback with no frills. the travel reward card you can PC to it from one of the starter cards if you wanna start small with them and has no FTF and no AF which makes it one of the top travel cards and without question the best NO AF/FTF Travel card. if you don't plan to travel perhaps look at credit cards that offer other rewards such as flat percentage cash back with good CLIs.
Thanks for the suggestions but all I want the cards for is the FICO score increases that will lower my auto and homeowners insurance. The credir cards themselves will spens a LOT more time in my sock drawer than they will in my wallet - figure 1-2 uses a year each.
in that case you need the easiest plain no frills unsecured card to get approved for that has $0 AF. such as the Capital One Platinum.
some cards also offer secondary benefits to you such as free FICO scores every month and/or Soft Pull CLIs. again capital one platinum will give you soft pull CLIs while other no frill cards like BofA BankAmericard or Barclaycard Ring Platinum give you free access to your Transunion FICO score every month for free (the Ring Platinum also comes with no FTF). Citi Simplicity card comes with the Equifax FICO score. And finally Chase Slate gives you Experian FICO score.
but honestly with scores in the 700s you shouldn't sell yourself short as you are basically giving all your spending away and getting absolutely nothing in return. you could be traveling or getting cash back and using all the cash back to pay for your new mortgage. all you have to do is pay everything with a reward card and then PIF every month. i mean unless you live in a cave somewhere you have expenses like everyone else. the only time a card deserves to be SD is if you can't manage your money/credit properly in which case you need help or you have better cards in your wallet and not enough space in your wallet for the inferior cards.