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birchwood99

What card(s) next?

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Hey all.. helping my sister continue to build credit and decide which cards to get next. Her scores are around 660ish with 60% util. She just paid all her revolving accounts off. FICO simulator shows around 700-720 once the bureaus update. Her only baddies are some significant lates on old students loans that have since been paid. The most recent was 90 days from early 2015 and a few 120+ back in 2013. We have exhausted efforts to get these removed at this point. Been trying for years. Student loans are the worst!

 

She has a few stores cards now with limits under $500 and two majors. Cap1 around $850 limit and Amex Delta Skymiles at $1200. She has had these cards for a few years now. The Amex was $2000 llimit originally but they dropped it last year as she was carrying high balance often. I am thinking of trying for Discover IT and Amex Blue or BCE. Are certain Amex cards harder to get? I assume her being a customer for two years now would help? Thoughts or other suggestions? Thanks!

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IMO, your DS needs to learn how to better manage her current cards before applying for new ones. She should start PIF before the statement cuts, leaving a ~$5 balance on one card only and work on CLI's.

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