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My Transunion score just jumped 10 points today to 755. I'm itching to app for something, but I want the best option for that score range. Any suggestions?
What card do you need and have a purpose for sounds like you don't have one?
Otherwise just enjoy the new score achievement and congrats
Save that HP for a good purpose IMHO
What cards do you already have and what cards do you want? How are your other scores? Just questions that will help us answer your question. My best credit lines and interest rates came when my scores were above 750 so you should have many options.
Currently have:
Prime Cards
Cap One Quicksilver Visa Sig
Commerce Bank Visa Sig
Citi ThankYou Preferred
Citi Double Cash
Discover IT
Amex Everyday
USBank Cash Rewards
Not So Prime
Amazon Visa
Orbitz Visa
Walmart Mastercard
Store Cards
Lowes
Menards
I have whittled down junk cards over the last few years to what I have now. What I'd really like to do is combine my two Citi accounts. Unfortunately they don't do that. So anything I app for will replace something on my card list I posted earlier. First to go will be Orbitz. Terrible card and bank. Used it for a BT offer and haven't touched it since it was paid off.
The card that appeals to me is the CSP, but Chase is too finicky, so I'm not wasting an HP on them. My other scores are right around the TU score I got from Discover so doesn't matter who they pull.
@Anonymous wrote:
Try waiting for the next awesome sign up deal. I'm hoping for that Amex BCE $500 for $3000 or $250 for $1000
+1 to this. One of the better sign up bonuses out there right now is the CSP with 50,000 UR points when you make $4000 in spend. That's like $625 in travel when using the UR portal. You even said you were interested in the CSP. I don't blame you for your desire to avoid Chase, but if that doesn't do it for you I'd wait until the next great bonus you can use comes along and jump on it.
Getting a card with a lacklust bonus that doesn't really fit in with your lineup just because you can get approved doesn't seem like the best idea.
@Anonymous wrote:
i really don't see what you're missing. you have a general spend card (QS, DC, and discover if you're in the 2x cash promo), you have a rotating category card (discover), you have gas and restaurant perks (amazon visa), you have a grocery card with MR (amex), and two travel cards (amex and TY), store cards, and extra. what are you missing...
I have to agree. Are you interested in credit unions? That might be an option if you want to expand your card portfolio.