What's a good choice for a second card?

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bg92
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What's a good choice for a second card?

Postby bg92 » Sun Jul 29, 2012 9:30 pm

Hey all, I've got a question that you probably have heard before on here, but here goes... What should I get for a second card?

I already have my first card, a Capital One Platinum Visa, which I got two years ago as of a few days from now. It has a $750 limit on it, I use it every month but rarely over 50% of the limit. It is paid in full each month no matter what and I have never missed a payment.

I want to get a second card to reduce my overall credit usage, because apparently one of the things other than credit age that is holding me back is I utilize too much of my credit (I don't think it should matter as long as I am paying it in full every month).

I like to use a card for gas as it is good for cash back as opposed to my debit, and I also don't use my debit for online transactions for security reasons.

Any suggestions on a good card? I don't really want to pay an annual fee, but cash back for things like gas would be nice. Thanks for reading!


bg92
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Postby bg92 » Mon Jul 30, 2012 7:23 pm

I'm thinking a Discover More?

dotikk
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Postby dotikk » Tue Jul 31, 2012 10:00 am

Depending on your credit score Id go with either the Discover More or perhaps the chase freedom ( I think that's the name of their rewards card. Maybe even the amex blue cash rewards card if you think you might be able to get approves for it.

I just got the Discover More (£student) and started at a 1k limit.
Cards:
Discover IT 2.3K
Amex Blue Cash Everday N/A
Beldens Jewelers Store Card 3.5K
Kohls Store Card 1K

bg92
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Postby bg92 » Tue Jul 31, 2012 6:32 pm

According to myFICO, i have 712. I doubt I'd get accepted for an AmEx BCE, even though I would love to have that card. Only amex I'd get easily with a low AF is the Zync which I don't really care for. I get the pre approval offers for the gold card but I'm not paying that AF. Right now I'm leaning towards either the Discover More or Chase Freedom. AmEx BCE would be perfect though.

dougw
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Postby dougw » Wed Aug 01, 2012 4:13 pm

I'd think 712 is a good enough score to get an Amex card, and that would be my recommendation. Beyond that Chase Ink has a similar selection of rewards. Better to have two or three cards and split your balances between them rather than be right up to your credit limit on a single card.

Doug

bg92
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Postby bg92 » Thu Aug 02, 2012 12:17 pm

You think good enough for a Blue Cash Everyday?

bg92
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Postby bg92 » Fri Aug 03, 2012 12:46 pm

So I applied for a BCE, they said that my application needs further analysis or whatever. So, I called them immediately and they said I have been accepted! Woo!

MemberSince99
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Postby MemberSince99 » Fri Aug 03, 2012 2:04 pm

Congratulations!



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