Can you suggest the right card to get?

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Jooxi
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Can you suggest the right card to get?

Postby Jooxi » Wed Jul 11, 2012 6:27 pm

Hey everyone,

So after clearing up some small things on my reports, I'm finally ready to apply for a card! Can you guys helps me with my choices, or recommend others?

My info (according to an Experian 3-bureau report):

Expreian: 720
Equifax: 780
Transunion: 720

Cards:

I only have one real card in my name so far: a Capitol One Secured, $275 limit (I know...). Opened November 2011.

I am an authorized user on an Amex and a Chase Mastercard.

1 open auto loan in my name from March of 2012.

All paid on time, in full each month.

I have decent income but was mostly using debit till now, and am in my early 20's.

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Before repairing my reports, my score was in the 600's, so I was thinking of applying for the Citi Forward. I do purchase a lot on Amazon and eat out every now and then.

However, with my scores as they stand now, are there better cards to get? I was considering the Chase Freedom, but thought it would be too hard to get. I would love someday to have an Amex Gold card. Right now my spending is mainly things like Amazon and Gas, but I would like to keep my options open for the future, when I hope to be spending more on groceries and such.

I appreciate any advice, tips or tricks you guys can give me!


agp
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Postby agp » Wed Jul 11, 2012 6:38 pm

You don't need an Amex Gold. It will do you no good unless you are a serious traveler. You should have a decent shot at Chase Freedom though.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

Jooxi
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Postby Jooxi » Wed Jul 11, 2012 7:33 pm

I appreciate the advice. I'm just debating weather to risk it for the Chase Freedom, and possibly get denied, or start off with the Citi Forward which I'm pretty sure I can get.

I don't need the Amex right now, but I'd like it for the included protections perks, and the ability to transfer points to miles. I don't travel a lot now, but even if I take one trip as a vacation, I figure the points could pay off.

agp
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Postby agp » Wed Jul 11, 2012 7:39 pm

Visa has about the same protection perks, Amex just makes what it offers sound better. The only time I had to use purchase protection was when I bought a pair of sunglasses for my mother for mother's day online, and the shades never got to her. I disputed this with Visa and was refunded. If your dispute is legitimate, Visa will be as helpful as Amex.

I'm not bashing Amex, I would get the Platinum in a heartbeat if I ever flied airlines Amex is partners with. But those high end charge cards are targeted at frequent travelers who fly using particular airlines and stay at particular hotels, so if you just travel once or twice a year you are better off with some other card without a hefty annual fee.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

agp
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Postby agp » Wed Jul 11, 2012 7:44 pm

I actually just went to my bank and my banker disputed it with Visa on my behalf. Belonging to a bank with a physical office that is close to where you live is a great bonus and can make your life a lot easier.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

bmw1990Z
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Postby bmw1990Z » Wed Jul 11, 2012 9:31 pm

The citi forward card is a GREAT all around card to have. One of the easiest cards I've seen to rack up the points too! You get a decent transfer from thank you points to the travel center. Also just fyi, you would definitley be approved for the delta amex cards..im not a fan of cash back cards myself.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

Jooxi
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Postby Jooxi » Thu Jul 12, 2012 1:43 pm

Thank you all for the advice!

I pulled the trigger on the Citi Forward. I figured I would like to have it, for restaurants and Amazon, even if I get other cards in the future.

Got approved instantly! $3,500 limit!

agp
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Postby agp » Thu Jul 12, 2012 1:49 pm

Congratulations!

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

Jooxi
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Postby Jooxi » Thu Jul 12, 2012 2:01 pm

Thanks! They also gave me the lowest APR (I think). So if you had my scores I imagine the Citi Forward is a shoe in, relatively.

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Postby TeaBleezy » Thu Jul 12, 2012 2:53 pm

if you are a traveller you should have Amex Gold. its the best option



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