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

CardNut
Valued Contributor

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


@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.

Scores, HPs/24 mos. (updated 01/13/21):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 811, 1/24
    Equifax = 813, 0/24

Total 2020 rewards, incl. offers/deals = $1,388.00

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 11 of 14
seattletravels
Valued Contributor

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

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



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 12 of 14
rafy023
Regular Contributor

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


@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
Message 13 of 14
Flyingdude777
Member

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

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.) 

Message 14 of 14
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