What cards would you get in my position?

[AeroKrix]

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@Anonymous wrote:

Hi! Im looking to get some card recommendations. I'll list below the cards I have currently and my scores. Im interested in travel rewards and cash back.

My Current Limits

QS One $300

WF Secured $300

Khols $300

Cap-1 Mastercard $300

My current scores are TU 649 EX 626 EQ 633

Any recommendations will be much appreciated!

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If you have no baddies and relatively llow INQ on your TU, I don't see why you can't app for Barclays. Their rewards card for good credit is great!

[Anonymous]

So an update I called Capital one and they said that I'm not enrolled in the credit steps but said I can request a CLI online or over the phone. 

I was reading that the CLI request for Cap-1 is a soft pull. Should i try that?

[Anonymous]

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@Anonymous wrote:

So an update I called Capital one and they said that I'm not enrolled in the credit steps but said I can request a CLI online or over the phone. 

I was reading that the CLI request for Cap-1 is a soft pull. Should i try that?

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Yes.  If you don't get it, Google Cap One CEO and send him an e-mail slong with a phone number telling him you want an increase on 2 year old cards.

What are the balances on them?

[Pitt570]

i think its going to be hard getting higher trade lines with your current cards only being at 300...i would look into your local credit union or maybe nfcu if you have a family member in the military and if you can get a higher trade line others will follow with cash back cards as well with travel.

[Anonymous]

I did the credit limit increase on my QS One and they raised my credit limit to $400. On my Cap-1 mastercard they are sending me something in 2-3 days. My Cap-1 Mastercard  has a $0 balance and my QS One is reporting a $11.98 balance to which i paid for today. I will have my utilization below 10% before my statement cuts on the 13th

[Anonymous]

Have you tried their prequalification site for both Cap One and Chase? 

[Anonymous]

I just tried both and they didnt have any offers for me

[Anonymous]

Did you continue making all your payments on time for the QS1? I dont understand why they wouldn't have put you into the credit steps program. Also confusing as to why they only raised you 100 bucks after having the card for awhile and making good payments on it.. Do you use the card enough?

[Anonymous]

Ya I've never had one missed payment on any of my cards. I've had very high util until just recently. Im using it more now that I understand how to effectively use a credit card.

[Anonymous]

Hmm, I'd try calling them. 100 is nothing. Tell them that you want to use the card as your everyday purchase card but with a 400 dollar limit that's just not possible.