Which card should I apply for?

[Anonymous]

I have been working on rebuilding my credit and am looking for advice for which prime CCs to apply for.  I have increased my scores over the past few months and just bought my first home (thanks to myfico!).  Here is my credit score history:

November2011 (lender pull):

Experian 636

Transunion 618

Equifax 604

December 2011 (lender pull):

Experian 640

Transunion 650

Equifax 604

January 2012 (myfico):

Transunion 674

Equifax 625

The CCs I currently have are:

Capital One--$500 limit--I haven't asked for a CLI increase yet...they probably won't give one anyway

HSBC/Orchard Bank--$300 limit--same as above

Credit One--just recived CLI to $675, up from $575

Giant Eagle/WFNNB--$560 limit (grocery store card, I work there and all employees received one)

GEMB/Care Credit--$1k limit, 0 balance

GEMB/McKinney's--$2500 limit, $2100 balance (furniture store, bought furniture for new house...0% interest/24 months...will be paying at least 1/2 off with taxes)

Thanks in advance for the advice :-)

[Anonymous]

Is the GEMB/McKinney's card the only one you have a balance on? Also, how many inquiries do you have?

[Anonymous]

Go with Barclay. If they deny you, you can call recon to overturn decision and to match CL to $2500 highest on your report.

But if your TU have more than 4 inquiries within last 6 months, you should hold off an app because they might only approve you for low CL.

[Anonymous]

I have very small balances on the other cards, I'm practicing the 'under 9% utilization' rule.  I do have several inquiries from the past 2-3 months as I was going through the mortgage process.

I would just go to their website and apply?  I see they have a rewards card...

[Anonymous]

I actually got a $100 CLI with HSBC/Orchard Bank.  Capital One said no...just like I thought they would!

[Creditaddict]

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@Anonymous wrote:

I have very small balances on the other cards, I'm practicing the 'under 9% utilization' rule.  I do have several inquiries from the past 2-3 months as I was going through the mortgage process.

I would just go to their website and apply?  I see they have a rewards card...

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I would not carry a balance on every credit card you have even if it is under 9% you are probably getting a ding harder for having no accounts paid off over keeping things under 9%.  I believe you want less than half of your cards reporting balances.

[Anonymous]

I applied for Barclay's online...denied....called and asked for recon, got approved for $1k :-)  Yay!!