What's another good credit card for me to get?

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mathman314
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What's another good credit card for me to get?

Postby mathman314 » Mon Dec 23, 2013 3:46 pm

I just got off the phone with Chase and they denied my for their Sapphire because my credit history is new (only one year and 4 months) and then I asked what are y'all looking for and she said that their looking for at least a credit history of two years and not only that, but also more than one credit card. And there lies the problem. Most, if not all, denials I get is too short of a credit history (and all credit is from that one card.)

That is where my question comes in: What would be a good additional credit card for me?

I'm asking because I don't want to go shopping around for credit cards, find out I get denied (and ultimately hurt my credit score by too many hard pulls.)

Let me give you a little bit background on my financial situation and lifestyle?

I have a job while I go to school, I get paid a good amount to pay my cell phone bill and my current credit card.

My parents pay for my tuition, dorm fees and such.

I like to go out to eat and ordering food. Seriously, if you see my credit card statement, you will find at least a dozen accounts of eating out.

Very manageable with my money and like to project toward the future.

I have 1 cc (1FBUSA CL: 2250), EQ: 695, TU: 714, EX: 698.

P.S: I'm new to this forum and where do I go to include a signature in my posts/replies?
Cards:
1FBUSA: 5.75k
Discover IT (for students): 4.6k
Chase Freedom (signature): 5k
Target REDcard: 1.5k
AmEx BlueCash Everyday: 5.5k

FICOs:
TU - 785 (December 2015)


PhoenixDown
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Location: NYC

Postby PhoenixDown » Mon Dec 23, 2013 11:27 pm

Chicken and the Egg story :)

Some people recommend credit unions as they tend to be very flexible. Others will recommend a secured card that will graduate into an unsecured card. More still will recommend paying cash for everything (I kid).

Here are some options.

1 - Ask your parents if they would be willing to open a joint credit card account with you (assuming they have decent credit). They can keep the card(s) if they wish. You just want the history.

2 - Ask your parents if they can add you as an authorized user (AU). Same caveats as above.

3 - There are a few decent student cards out there you may qualify for. The Citi Student Thank you card has 5x TY points for dining out which is good. Discover may also give you a shot at their student card too.

4 - Try calling the recon number again and ask them if they might approve you for the Freedom card and emphasize that you are looking to build a relationship with a bank, not apply to garbage that you need like a hole in the head.

rockyrock
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Location: Ventura, CA

Postby rockyrock » Tue Dec 24, 2013 12:10 am

Check out this link and see what it recommends: http://creditcardforum.com/offers/cardmatch.php
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

mathman314
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Joined: Mon Dec 23, 2013 2:42 pm
Location: Texas

Postby mathman314 » Tue Dec 24, 2013 1:39 am

haha like I would ever pay something with cash. I can't even remember the last time I paid for something with cash that was more than $1.

1 & 2 would not work because I asked them back when I turned 18 and they said no so I think I'll get the same answer. Plus, they know I have a cc now so they'll wonder why I want another one. 3 - I ended up going ahead and apply for the Discover IT - I get so many offers from them in my student email, it's not even funny. The free FICO score on every monthly statement kind of had me sold. 4 - I totally forgot to do that. Oh well, I ended up getting approved for the Discover card - I called a few hours later, had to verify it was me and now I have a card coming to me with a $2000 CL. Hoping to get that increased through on-time payments so my CLR can be uber low resulting in an increase to my Credit Score. I think that's how it works assuming I remember my twelfth grade economics correctly :p

Regarding the link, that's what is super odd. I went to that site and viewed the offers that are specifically geared toward me, and it comes up with the AMEX Blue Cash card. When I saw that, I thought I'd be a shoe-in for the Chase Sapphire, but I guess not.

But it's whatevs, I'm happy knowing I got approved for a Discover card.
Cards:
1FBUSA: 5.75k
Discover IT (for students): 4.6k
Chase Freedom (signature): 5k
Target REDcard: 1.5k
AmEx BlueCash Everyday: 5.5k

FICOs:
TU - 785 (December 2015)

MemberSince99
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Location: WI

Postby MemberSince99 » Tue Dec 24, 2013 8:27 am

Hummm Chase only "requires" (I use the term loosely but their words) a year for CSP. I guess it's always YMMV.


I'd try Discover if I were you.

WS6R6
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Joined: Tue Sep 25, 2012 11:52 am
Location: Kansas

Postby WS6R6 » Tue Dec 24, 2013 8:35 am

As others have said, a student card from discover or citi would be a good start and relatively easy to get.

- Up top click settings and edit signature will be somewhere on the left. I'm thinking you have to have like 5 or 10 posts first but I can't remember.
Travel 3x, Groceries + Gas 2x: [color=Orange"]AmEx PRG[/color] (Closed)
Restaurants + Travel 2x: [color=navy"]Chase Sapphire Preferred[/color]
Groceries 3%, Gas + Department Stores 2%: [color=blue"]AmEx BCE[/color]
Dining + Entertainment 2x: [color=navy"]Citi Thank You Preferred[/color]
Hotels 5x: [color=Black"]Chase Marriott Rewards Premier[/color]
Rotating 5%: [color=darkorange"]Discover It[/color], [color=blue"]Chase Freedom[/color]
Restaurants 5x: [color=lime"]Citi Forward[/color]
Gas 5%: [color=gray"]PenFed Platinum Rewards[/color]
Future: [color=red"]US Bank Cash +[/color]

mathman314
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Posts: 54
Joined: Mon Dec 23, 2013 2:42 pm
Location: Texas

Postby mathman314 » Wed Dec 25, 2013 4:16 pm

I ended up getting Discover IT (Free FICO score on each monthly statement) sold me, that and no annual fee. I got off the phone with chase and hopped on Discover to apply. I kept on checking my application status online, it kept prompting me to upload a document as proof of address. When it kept prompting me, I got fed up with it and decided to call to get some help. The phone call never got to the point where I could get some help on my application. I thought it was gonna get to point where I could receive help since they told me they were gonna get someone on the line to help me with my application. I was surprised that I was approved and for a 2k CL. Kind of disappointed that I applied for their student card two years ago and got denied. This was while I was receiving offers from them. But whatever, I got approved for a 2k CL and got an email this morning (12/25) saying that the card is on its way. I'm ecstatic about this. Now I'm wondering if I should use both cards equally or use the 1FBUSA less than this one.

Also, when should I inquire for a CLI? I didn't want to seem to needy when I got verbal notification for approval, so I didn't ask if I could get approved for more right off the bat.
Cards:
1FBUSA: 5.75k
Discover IT (for students): 4.6k
Chase Freedom (signature): 5k
Target REDcard: 1.5k
AmEx BlueCash Everyday: 5.5k

FICOs:
TU - 785 (December 2015)



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