- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
Definitely dump the CapOne card if they won't unsecure it and remove the AF. You might have to call their EO to get that done if you really want to keep the card open.
If you decide to go that route, also see if they will PC it to another product like the CapOne Quicksilver which comes with 1.5% cashback on all the purchases you make. If you close it, it takes 10 years for it to disappear from your credit file so I don't think you're gonna miss out on much once you get approved for better cards.
Did you try checking your FICO scores too? It would be really helpful if you could give some information about those. I'd say check if you have any prequalified offers with Chase, Amex, Citi, etc. and go from there even though that's not always a guarantee that you will/won't get approved for a card with them.
Once you know your FICO scores, looking up stats on CreditPulls for the cards you want will also be helpful IMO. Seems like you shouldn't have much of an issue with that kind of consistent credit history and the fact that you don't have any baddies on your report either.
Based on what you're saying, I think out of all of those cards, the Citi Double Cash would be the one you wanna go for the most since you're not really as interested in the categories that either the Discover It or Freedom have to offer. I'm also assuming you don't have any recent inquiries so I think you have a shot at that card in particular. I even think you won't even need the Quicksilver if you end up getting approved for the card though I'm throwing that out there as an alternative just in case.
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