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What is next Credit card application for built credit

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mustangy
Regular Contributor

What is next Credit card application for built credit

my picture is 
Amex  8500  authorized 

synch/ebay 9000

capitalin 3800

capitalone 3500

discover 2000
tdbank 2000

apple card 2500

CREDIT CARD/FB & T 3250 (i dont know this from ex barclay i guess)
creditkarma T/U 719 
creditkarma E/Q 715 
vantage 3.0
payments %100
util %6
age 3 years
accounts 9 
chapter / 7 2016 may 
i was having offer from amex prequalify before i thought using amex for long time as authorized maybe effected amex black list tried today to apply than boom gone no more prequalify  How come?
 
citi and chase hard to  aprrove  so will apply both later after 2 years, with  clean record without new account and inquries. Bofa declined last year so will not consider bofa also,
 
what to apply now ???  I feel i used all coomons  cards now 

what is good limit next card with this backround 

 

capital one $3500 limit aug 2019
capital one $3k limit aut user feb 2019
td cash 2k limit sep 2019
what is 3rd ??? to apply
Message 1 of 3
2 REPLIES 2
Junejer
Moderator Emeritus

Re: What is next Credit card application for built credit

What's your goal for a new card? From there, some of the CC savants will be able to guide you in the right direction. Also, you will want to give us your FICO scores, versus the Vantage scores from CK. Not many lenders use that score in their approval process.







Starting Score: 469
Current Score: 846
Goal Score: 850

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Message 2 of 3
SouthJamaica
Mega Contributor

Re: What is next Credit card application for built credit


@mustangy wrote:

my picture is 
Amex  8500  authorized 

synch/ebay 9000

capitalin 3800

capitalone 3500

discover 2000
tdbank 2000

apple card 2500

CREDIT CARD/FB & T 3250 (i dont know this from ex barclay i guess)
creditkarma T/U 719 
creditkarma E/Q 715 
vantage 3.0
payments %100
util %6
age 3 years
accounts 9 
chapter / 7 2016 may 
i was having offer from amex prequalify before i thought using amex for long time as authorized maybe effected amex black list tried today to apply than boom gone no more prequalify  How come?
 
citi and chase hard to  aprrove  so will apply both later after 2 years, with  clean record without new account and inquries. Bofa declined last year so will not consider bofa also,
 
what to apply now ???  I feel i used all coomons  cards now 

what is good limit next card with this backround 

 


You have enough major credit cards.

 

From here on out, you should be very selective, and only apply for cards which will really add something.

 

If you tell us what features you would like in your next credit card, we can possibly give you recommendations.

 

Your Vantage scores are not really helpful. It would be better for you to find out your FICO scores. The Discover website will tell you your TU FICO 8. The American Express site will tell you your EX FICO 8 (go to Account Services > Profile > See FICO Score).


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

Message 3 of 3
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