When should I apply?

[Anonymous]

Hello there, been reading up on different cards for a bit, and on different peoples experiences and I have a question of my own.

Currently my score is a 688, had my one credit account for 2 years. Currently my UTL is sky high on account of losing my job two months ago, but now that I started working again, it'll drop to around 20-30% where it should be. My CL is currently $700 on my BoA card, but I'm looking for something with around 2000-2500 limit. 

I've never had a late payment, never had anything go into collections, have 1 student loan for 4500 dollars that I am paying off, and am current on. No negatives on my account from any of the reports I've seen, and only have 2 inquiries.

What are my chances of getting approved for a new card with the limit im looking for? What card(s) should I apply for? Really looking for something with like 0% apr for 12+ months.

Thanks in advance for the advice. 

[djc1puno]

I say bring down ur util...then your cs should go up...then maybe discover, chase, and amex...im sure others w more exp will chime in

[Anonymous]

Get the util below 10% and let it report. You should be able to apply for cards with good history.

[Anonymous]

So would it be better for my score to pay it all off in one chunk, or pay it off over the course of 2-3 months? Which is all it should take me since I never make just the minimum payments.

[myjourney]

Before you plan to app

For Max scoring pay all cards off except 1 

Let 1 report a balance between 1-9% 

Let all CR's update 

Proceed to computer or phone and execute operation New cards 

[Anonymous]

One card is all I have lol, so getting it down to 9% will take me part of my next two checks hahaha.

Any specific cards I should go for? Not looking to get too many of them, good way to get into trouble quick ^_^

[myjourney]

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@Anonymous wrote:

One card is all I have lol, so getting it down to 9% will take me part of my next two checks hahaha.

Any specific cards I should go for? Not looking to get too many of them, good way to get into trouble quick ^_^

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What card do you have now?

Are you still a student?

Student cards have easier requirments

[nicholasyud]

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@Anonymous wrote:

So would it be better for my score to pay it all off in one chunk, or pay it off over the course of 2-3 months? Which is all it should take me since I never make just the minimum payments.

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Let paid all of your credit card and let 1 card report small balance ( less than 9% your total credit line)

Let them all report

Chase, Citi, Discover.....especial Discover....one of the good card with 0% APR for 15 months i think. Let me know if you interest then i can hook u with $50 refer link then we both can get $50.

[Anonymous]

If you income above 20k then I would recommend Amex due cli policy. If you are denied and you might consider CapOne newcomer card.

[Anonymous]

I just have a basic unsecured Bank of America CC with a $700 limit, started off as a secure card with $300 two years ago. I am still a student, going to school and working.

Would a Student CC have the limit I'm looking for? 


I don't think I've even ever applied for a card, oh, but I did get approved for a  $2000 account with HP  last year that I'm just about done paying off the $1300 I used on it, balance is ~400 this month. Never been late on that one either, but I don't see myself using it again, nothing HP has interests me currently. Would it be ok to close that one? Does it even count since I cant use it anywhere but with HP?

Edit: I make just a little under 20k right now, but when I get out of training at work my base pay will rise, and I'll be getting attendance and performance bonuses that will push me up to around 21-22k.