Okay, its been a few days since I posted it in credit cards approval section for US Bank 3K CL regular cash rewards card. before I opened US Bank account, my last applying was Discover 14 months ago.. so I believe I am planting the seeds very well. Wells Fargo ? Citibank ? none of above and let US Bank account and INQ to age 1st? trying to figure out whats my next move will be, I believe this will be it for the year if I do go ahead and apply and hopefully approved for 2nd opened account for the year. . Thanks for any info! 
@SnowBowl wrote:Okay, its been a few days since I posted it in credit cards approval section for US Bank 3K CL regular cash rewards card. before I opened US Bank account, my last applying was Discover 14 months ago.. so I believe I am planting the seeds very well. Wells Fargo ? Citibank ? none of above and let US Bank account and INQ to age 1st? trying to figure out whats my next move will be, I believe this will be it for the year if I do go ahead and apply and hopefully approved for 2nd opened account for the year. . Thanks for any info!
Well an bit of information of what kind of card you want would be helpful, and if you have any thing negative on your report
@maiden_girl wrote:^Agreed.
Lets start with your current FICO score. AAoA and credit profile (negatives, lates, or baddies reporting)??
Sorry forgot the little details lol.
BK will be 7 years old this Jan. 2 INQ on EX , 1 on EQ, 1 on TU. credit scores are 700+ across 3 Credit bureaus for 1st time since filing BK.
oh yeah UTIL is 12% thats important part
EDIT: AAOA is like around 5.5
@mongstradamus wrote:
@SnowBowl wrote:Okay, its been a few days since I posted it in credit cards approval section for US Bank 3K CL regular cash rewards card. before I opened US Bank account, my last applying was Discover 14 months ago.. so I believe I am planting the seeds very well. Wells Fargo ? Citibank ? none of above and let US Bank account and INQ to age 1st? trying to figure out whats my next move will be, I believe this will be it for the year if I do go ahead and apply and hopefully approved for 2nd opened account for the year. . Thanks for any info!
Well an bit of information of what kind of card you want would be helpful, and if you have any thing negative on your report
strictly I would like no FTF and maybe BT deals to get rid of my 12% credit usage down to 0% UTIL
@SnowBowl wrote:
@mongstradamus wrote:
@SnowBowl wrote:Okay, its been a few days since I posted it in credit cards approval section for US Bank 3K CL regular cash rewards card. before I opened US Bank account, my last applying was Discover 14 months ago.. so I believe I am planting the seeds very well. Wells Fargo ? Citibank ? none of above and let US Bank account and INQ to age 1st? trying to figure out whats my next move will be, I believe this will be it for the year if I do go ahead and apply and hopefully approved for 2nd opened account for the year. . Thanks for any info!
Well an bit of information of what kind of card you want would be helpful, and if you have any thing negative on your report
strictly I would like no FTF and maybe BT deals to get rid of my 12% credit usage down to 0% UTIL
Do you want ftf cards for travel purposes ? I personally like arrival or CSP for that purpose if that's the case . your cl aren't that high so not so sure you need BT card ?if you want to go for some cash back cards there are few nice ones out there like Sallie Mae,QS,fidelity amex,cash+,and 5% quarter categories one (freedom and IT)
@mongstradamus wrote:
@SnowBowl wrote:
@mongstradamus wrote:
@SnowBowl wrote:Okay, its been a few days since I posted it in credit cards approval section for US Bank 3K CL regular cash rewards card. before I opened US Bank account, my last applying was Discover 14 months ago.. so I believe I am planting the seeds very well. Wells Fargo ? Citibank ? none of above and let US Bank account and INQ to age 1st? trying to figure out whats my next move will be, I believe this will be it for the year if I do go ahead and apply and hopefully approved for 2nd opened account for the year. . Thanks for any info!
Well an bit of information of what kind of card you want would be helpful, and if you have any thing negative on your report
strictly I would like no FTF and maybe BT deals to get rid of my 12% credit usage down to 0% UTIL
Do you want ftf cards for travel purposes ? I personally like arrival or CSP for that purpose if that's the case . your cl aren't that high so not so sure you need BT card ?if you want to go for some cash back cards there are few nice ones out there like Sallie Mae,QS,fidelity amex,cash+,and 5% quarter categories one (freedom and IT)
Yes, I would like to have 1 no FTF card.. Merrick charges 4% each transcation, ouch eh? yes I already have Discover IT. but I dont have freedom. in your opinion which do u think will have higher chance of being auto rejected if I apply thru citibank or wells fargo due to the fact I have a BK reporting on CR.
@SnowBowl wrote:
@mongstradamus wrote:
@SnowBowl wrote:
@mongstradamus wrote:
@SnowBowl wrote:Okay, its been a few days since I posted it in credit cards approval section for US Bank 3K CL regular cash rewards card. before I opened US Bank account, my last applying was Discover 14 months ago.. so I believe I am planting the seeds very well. Wells Fargo ? Citibank ? none of above and let US Bank account and INQ to age 1st? trying to figure out whats my next move will be, I believe this will be it for the year if I do go ahead and apply and hopefully approved for 2nd opened account for the year. . Thanks for any info!
Well an bit of information of what kind of card you want would be helpful, and if you have any thing negative on your report
strictly I would like no FTF and maybe BT deals to get rid of my 12% credit usage down to 0% UTIL
Do you want ftf cards for travel purposes ? I personally like arrival or CSP for that purpose if that's the case . your cl aren't that high so not so sure you need BT card ?if you want to go for some cash back cards there are few nice ones out there like Sallie Mae,QS,fidelity amex,cash+,and 5% quarter categories one (freedom and IT)
Yes, I would like to have 1 no FTF card.. Merrick charges 4% each transcation, ouch eh? yes I already have Discover IT. but I dont have freedom. in your opinion which do u think will have higher chance of being auto rejected if I apply thru citibank or wells fargo due to the fact I have a BK reporting on CR.
That I wouldn't know I used to have an well fargo card way back they kept on pestering me to apply for it saying was pre approved.so I am guessing the restrictions aren't that bad,bit I did have a checking account with them at the time .
If you do decide to go on little app spree I would go for ones most inq sensitive first .as far as no ftf CSP is really nice to have if you travel and you can team it up with freedom as well