What should my next move be?

[Anonymous]

All 3 credit reports are avg 730

my current cards:

capital one QS1: $500 (sigh)

discover cash back: $2300

chase sapphire preferred: $5000

looking to add one more card to get my credit line up, what would be my best option?

[dragontears]

best option is to get a card that fits your spending 

[Anonymous]

Just wondering who offers a higher credit line. Seeing as I have the CSP I don't really need travel rewards. So cash back or restaurant rewards would be optimal. Just don't want to apply for a new CC and get a useless $1000 line 

[Anonymous]

Try BB&T pre-qualify ( link below ).  If you qualify and it shows you card choices, you may see if one of theirs fits what your spending habits / goals are...look at what APR it says you pre-qualify for, if it is on the lowest of their offerings you should get a pretty good limit.  Higher range APR typically suggests lower starting limit.  Most starting limits lately seem to be 3500 - 6500 for the higher rates and 10,000 - 15,000 for the lowest rates.  YMMV.  Most of us that have accepted a pre-approval offer have been getting full approvals with no hard pulls, soft pulls only for EQ.   Should you want one of the cards if pre-qualified, complete process right then as you may lose offers by exiting out of screen and won’t return for another 30-45 days.  Also, make sure you enter your name, address, etc exactly as appears on EQ if current as you may have to complete in branch rather than on-line for verification purposes.  BB&T is not available in all states, but hopefully will be in yours.  Good luck!  

https://www.bbt.com/offers/checkOffers

Edit to add:  I got 11k starting limit with 13.24 APR for Spectrum Cash Rewards

[Anonymous]

Depending on the age of your credit profile, you may be a good candidate for Amex as well.

[Anonymous]

Denied for an amex gold card. Tried to recon and they told me to just wait the 30 days. Was denied for too high a revolving balance on my discover card. But my utilization is currently at 13%

I found it weird when I asked the representative on the phone if I could apply for any credit cards instead and he said I'd automatically be denied 🤷🏻‍♂️

im thinking maybe double dipping chase and getting a freedom card maybe. Or something from Citi

[Anonymous]

Depending on how high a starting limit you want, Chase could be decent. Worth seeing if you're pre-qualified at the very least. Combining a Freedom with a Sapphire can be a good move to own URs, and you can always cash it out as cash back if you don't want to convert to UR. Not sure that they'd give you a huge starting limit though.

Big starting limits may be harder to come by from lenders right now, but data points suggest good profiles still haven't been effected a whole lot. Waiting out on Amex and lowering that balance may be worth it with the possibility of 3x CLI. 

[Anonymous]

The Freedom would be a good idea to compliment your CSP.  

[K-in-Boston]

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@dragontears wrote:

best option is to get a card that fits your spending 

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+1

I would not attempt a double-dip with Chase.  Your recent CSP approval was marginal, so it is unlikely that they would extend any further credit.  Would almost certainly be a waste of a HP, possibly two.

Perhaps consider gardening for a while and let those new accounts age.

[Anonymous]

My condo is directly across from a chase bank. Would it be worth a shot at heading in tomorrow to see if I'm pre-approved?