Re: What to do next... Chase, WF, or Other?

Anonymous · ‎02-23-2020

@AverageJoesCredit wrote:
Chase is your best bet for a 15k plus cc. Plus anytime you talk credit cards and your interest lies with Chase, 5/24 rules and Chase should always be first priority imo.

Chase cards are good to have on your credit "resume" for sure.

seattletravels · ‎02-26-2020

Sorry if I missed this - but what did you end up deciding OP?

BECU Visa : $40,000 Date Opened: 02/2020

Delta Reserve : $20,000 Date Opened: 01/2020

Amex Blue Cash Preferred : $19,900 Date Opened : 07/2013

Chase Freedom Unlimited : $19,300 Date Opened : 02/2020

Citi Double Cash : $19,000 Date Opened : 06/2015

B of A Cash Rewards : $16,000 Date Opened : 12/2013

Barclaycard Ring : $10,000 Date Opened : 06/2017

Citi Simplicity : $9,000 Date Opened : 10/2011

Commerce Special Connections : $8,000 Date Opened 04/2015

Discover It : $7,100 Date Opened : 04/2013

Marriott Bonvoy Boundless : $5,500 Date Opened 07/2013

Delta Platinum : $2,000 Date Opened : 08/2018

Last App: BECU 02-26-2020
Pronouns: He/Him/His

rafy023 · ‎02-26-2020

@seattletravels wrote:
Sorry if I missed this - but what did you end up deciding OP?

Nothing yet... I do want to wait for those 5 inquires to be gone from my report. They expired on 2/17 so not sure if they'll be gone on March 1st or exactly how it works. I am leaning towards going for the CSP in hopes I'll get a large SL... seems people have more luck with their second card so fingers crossed. That WF Cash Wise does look tempting though since they keep dangling it in front of me everytime I log in to my account!

FICO 8 Scores
EX: 773
EQ: 784
TU: 772

Anonymous · ‎02-26-2020

In my personal opinion I'd wait a year for less inquiries on your credit report. Might help get a lower rate and or better offer (rewards/ balance transfer, etc.)

What to do next... Chase, WF, or Other?

Get your FICO® Score for free