Which card should i go for?

[Anonymous]

In my wallet i've got 

QS- 2000

Discover- 1500

Fairwinds -1000

Merrick Bank- 1000

QS- 850 

Sears store card- 500

Refinancing my car in two weeks, but once i do that i'm thinking of going on an app spree. What do you guys recommend? Can i get an Amex? I check the prequal sites for Amex and Chase daily and none pop up. I'm opted in, though i do have a fraud alert on my TU report that i don't believe is on my other ones. Not sure if that would affect anything. 

For Those On Mobile. 

8/01 EX- 692 TU- 691 EQ- 669 
Inquiries EX-6 TU- 8 EQ- 15
1.5 years Since Last Late payment
Oldest ACC- 2.4 Yrs AAOA- 1 year
Goal: 700 across the board

[OmarGB9]

Assuming no major baddies and you didn't burn Amex in a BK, I think you have a pretty good shot at getting approved.

[Jeff532003]

I think you'd be good for an AMEX charge. A revolver might be more difficult but you can always try. You also might want to try for a cap one Venture since your already in with them. People have been seeing nice starting limits. Really it all comes down to what rewards are important to you.

[Anonymous]

I read on cap ones site and a few other places that there is a limit on the amount of cards you can have with them. On the site it says two, here it's said around four(you have four yourself). Not sure if that's not counting cards that were someone else before cap1 or not tho, mine are direct from cap1.

So not a great shot at a revolver? I do have a baddie though. Late payment 6x in a row. Went to 180 days on eq, and ex. Tu only shows a few 120+. That was September 2013-march 2014. So I don't know how had that is, it is however a 'major derog'

[NRB525]

Which account went late? Is it current now?

[Anonymous]

It was closed on me after 2 payments missed. State farm Viss. My first card, basically I was an idiot. That situation will never happen again. I did however pay it down promptly in full. Never went to collections, just the lates.

[Anonymous]

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@Anonymous wrote:
I read on cap ones site and a few other places that there is a limit on the amount of cards you can have with them. 

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I have 5 Capital One cards, 

I would absolutely go for the Venture at the end of your app spree...it will break you out of the low limit cards you have.

[Anonymous]

Capital One is 5 individually held cards. I don't think your file is strong enough for the Venture yet.

You could try the Macy's Am Ex IN STORE. They run Ex. Worst case you should get the store card. 

Cabelas Visa runs Eq. That may fly.  With Am Ex try the ED. An Ex pull. Barclays is TU and may be a good option also. You could get a Wal Mart store card to help with utilization. Another TU pull.

Not sure how doing a car refi with lots of inquiries will hurt your credit card chances. Do you have one lender like a credit union in mind so it will be one pull?

[Anonymous]

I do have 7 grand of stdent loans and a car payment of 15k on the file. Dont know if that makes it any less thin? My oldest activate card is cap1 at 2.1 years, cumulatively, i've been with cap1 for about 36 total months. My refinance is going to be a hard equifax pull, just one, with my credit union. Eq is kind of already bunked because when i first got the car i didn't know any better and let the dealer scattershot my inquiries, ended up with 12, not all were keyed as auto loan inq.

Technically i dont have to go on the app spree, it's just that i'll have my credit as high as possible currently and i figured i'd take advantage.

[Anonymous]

Just checked the Chase prequal site, it shows im prequalified for freedom, slate, and sapphire. Do people have good experiences with the site? Five of my six cards have been opened in the last year. with only my 2k qs opened more than 2 years ago