Which card should I choose?

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Location: TX, USA

Postby sicasun » Tue Sep 09, 2014 12:56 pm

CarefulBuilder14 wrote:they all seem to suggest CO Platinum and some secured cards for me.

I wouldn't recommend the Platinum. I have it, and it just sits around now :( No rewards or benefits to speak of except for the initial 0% APR.

I just remembered something while commenting in another thread. My boyfriend's first credit card ever (no AU) was the Freedom. Chase instantly approved with $500 limit, and auto increased it 6-7 months later.
He banks with BoA, so no relations with Chase whatsoever. So for someone who already has an AU and credit history, you should be okay :) This could possibly apply to other companies as well, although I just learned that Citi apparently is very selective.

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

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Postby Vattené » Tue Sep 09, 2014 2:07 pm

A lot of good advise has already been mentioned - I just want to second the recommendation for Discover. They have a reputation for showing love to newcomers and wanting to build loyalty. I have had a card for several months now and have been quite pleased with them. The monthly free FICO score is a big perk, particularly for people wanting to build credit and track progress. I think your odds of approval are pretty good. Your scores are close to (maybe higher than) mine when I applied. I had a little thicker profile, but still a pretty short history.

I also think you should consider American Express. The backdating is a HUGE perk exclusive to them. They have a wide variety of cards, so you may see something better suited to you. If you don't mind an annual fee and are nervous about your odds of approval (even after running it through the site), the charge cards have more lenient requirements. However, I wouldn't think you would have a problem getting approved for a standard credit card.
EX - 804 (10/16) | TU - 803 (10/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

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