- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
I wouldn't get charge cards unless they had some special kind of offer like the 50k MR points, 1k spend sign up bonus that the PRG has had/is currently having right now or if you could justify having the Amex Plat and making those benefits work for you.
Chase is great and will work with you once you've gotten your foot in the door with them. I got in through one of their cobranded cards with 11 months of history and have had no problems getting other cards from them as I established my payment history with them and such. Already had a checking account before with Chase but I'm not really sure that had as much to do with the approval. It was for their Southwest Airlines card and got a starting limit of $5k and met the sign up bonus.
Freedom is a solid card to get though and if you think your scores are good enough and you've gone through Credit Pulls Database to see the stats there, go for it, especially when that $200 sign up bonus returns.
If you have to go with CapOne as a last resort, go for the Journey card with no AF. It upgrades easily to the Quicksilver after a few months if you ask their chat to see if you have any upgrade offers and would be a much better starting place than having their AF rebuilder cards. The CapOne I have is my second oldest card. My dad despite having some derogs on his report has one himself.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)