- Green Member
- Posts: 13
- Joined: Mon Jan 27, 2014 1:35 pm
- Location: United States
I'm fairly new to this stuff, having just graduated from college in May. I'd like to get an AMEX as soon as possible to take advantage of backdating in the future. It seems my choices are a Blue Cash Everyday (no annual fee) or Green/Gold (I'd tend toward the Green, since it has a lower annual fee and I already have other good rewards cards).
My Discover-provided FICO is 693 as of 1/20/14. My overall utilization is about 21%.
My Experian CR currently has 9 (!) hard pulls showing, 8 from the last year. Two are from a car I financed in June, and the rest are credit card applications. My TU has 1 HP, and I'm not sure about Equifax.
Here's a list of my current cards and utilization:
Chase Slate $6,300/$7,000 (still at 0% APR)
Discover IT: $30/$6,500
Chase Sapphire Preferred $250/$5,000
Capital One Venture $600/$5,000
Bank of America $30/$4,500
Capital One Quicksilver $0/4,500
Bank of America $0/2,500
Chase Freedom $250/$1,000
I also have a $16,000 auto loan and $9,000 in student debt. Salary of $60,000.
So: What should I apply for now, or should I wait? Thanks for your help!
Wallet: AMEX Premier Rewards Gold NPSL | BankAmericard Cash Rewards (Cal Alumni Association) $9.6k | Chase Sapphire Preferred $5k | Capital One Venture $5k | Chase Freedom $3k
Drawer: Discover IT $10k | Chase Slate $6k | BankAmericard $5.9k | Capital One Quicksilver $4.5k | AMEX Hilton HHonors $4.4k
FICOs: EX (per AMEX, 3/18/14): 728 | TU (per Discover, 3/20/14): 753 | EQ (per Capital One, 2/25/14): 720