Which Card Should I App?

[shifter]

If only it were as easy as the title...

 

My EQ is around 720 with no BK and only a few 30DL from 2 years ago.

 

I'm looking to app for 2 more cards as I only have 3 open atm. I just got a NFCU Amex at 25k.

 

The problem is I IIB'd most of the good prime creditors.

 

Amex

Barclay

BofA

C1

Chase

Citi

Comenity

FNBO

Nordstrom

PenFed

PNC

Synchrony

US Bank

USAA

 

What are the best rewards cards I can app that pull EQ?

[Kat58]

I know this is obvious, but have you tried the CPDB and enter EQ only in your search?

[shifter]

I'm looking for suggestions on quality rewards cards that are under the radar not with your standard prime issuers. Hence the reason this is in advanced.

 

I'm not looking for "what cards can I get approved with this score".

[Kat58]

NFCU, DCU, Alliant, or other CU? Cap One business card?

 

I was recommending the CPDB for the bureau input, not the score.

[Kat58]

Wells Fargo

[mec]

Quality rewards is pretty subjective.

 

Alliant seems like they have been pulling TU through 2017

 

Elan/ Fidelity seems to sometimes pull EQ. And a 2% card may be a good choice.

 

Not sure where you are located but Huntington pulls EQ for the Voice which has some capped 3% categories.

 

On the travel side US Bank Altitude sometimes seems to pull EQ sometimes as well.

 

And between a few Wells Fargo cards you may be able to amass 1-2k worth of airfare.

[shifter]

thanks for that list.

 

the Fidelity card looks very interesting. but isn't Elan US Bank? in that case, I IIB'd them.

 

it looks like Huntington is only in Columbus, OH? and you have to go into a branch to open an account?

 

it looks like WF is probably one of the better options.

[shifter]

NFCU, DCU, Alliant, or other CU? Cap One business card?

I looked at DCU, but they seem to only have a 1% card.

 

what other open CUs have worthwhile offerings?

 

I could try a C1 business, but since I IIB'd them, I'm pretty sure I'm on their list. might be worth it to try anyway.

[Derek1]

Ally Cashback Visa (underwritten by TD Bank oddly enough) was a pretty easy get for me 6 months after BK 7. 2% on Gas/Groceries, 1% on everything else. 10% cash back bonus for transfer to an eligible Ally bank account. It sits at a $3K CL right now and has a 12 month no interest on balance transfers (there is a 3% fee for transfers, so watch it) as well as $100 for spending $500.

 

It may be one of the cards I wind up keeping after my rebuild is up.

Edited February 21, 2018 by Derek1

[shifter]

I like that Ally and I really need to add a Visa for Costco as right now I only have MC/Disco/Amex.

 

do you remember what bureau they pulled?

[shifter]

do you remember what bureau they pulled?

answered my own question unfortunately with CP.

 

EX Freeze = decline once they tried to verify over phone. Rep said they cannot pull other bureau...

[mec]

I guess I missed US Bank on your list.

 

I think you should consider a second nfcu card.

 

If you get a flagship you'll have a 2% card and be able to pick up another sub.

 

If down the road you don't want the flagship fee you can always PC at to another card to keep the age of the account.

 

The truth is most of the credit union cards that offer better-than-average Rewards are issued by institutions that are a pain in the flowers to deal with.

 

If nfcu loves you you might as well take advantage of that.

Edited February 21, 2018 by mec

[shifter]

I think you should consider a second nfcu card.

 

If you get a flagship you'll have a 2% card and be able to pick up another sub.

sounds like the best option. are they apt to give me a second card before the first one arrives?

 

or should I wait a certain time period with them?

[Kat58]

Commerce Bank (not on your list)

https://www.commercebank.com/personal/cards

They offer a few Visa reward cards.

The last 3 CP entries showed they pull EQ, relatively low scores, and high limits. Just throwing out there.

[mec]

<on the question of applying right away>

 

I have no idea but I would be inclined to wait 90 days.

Edited February 21, 2018 by mec

[tobettercredit]

I have no idea but I would be inclined to wait 90 days.

+90

[Konrad2012]

BBVA

City National

TD

 

Freeze EX and TU and just app whoever. Screw them if they can't take a joke

[mec]

 

Freeze EX and TU and just app whoever. Screw them if they can't take a joke

That would be interesting (and fun and funny) to app everyone who got IIB'd.

[shifter]

I'm not sure how interesting it would be. Most issuers have a BL and don't even pull your credit when you apply.

[swimmingwithsharks]

I know Alliant was mentioned above. The rewards card is a 2% card, if you're interested in another CU. You can deposit the cashback to your Alliant checking or savings acct. I haven't found them to be a pain, but then I haven't had many issues to deal with them. When there was fraud on my card after an overseas trip they were quick to credit my account and send me a new card. I had to fill out a form that the charges weren't mine, but there were no difficulties or problems for me.

 

I suppose the only downside from the CB view is that my credit line is still at the initial $10k that I received when I opened it almost 10 years ago. But I have never asked for a CLI, and I only use the card once every 6 months (I'm mostly doing UR points these days).

[Konrad2012]

I'm not sure how interesting it would be. Most issuers have a BL and don't even pull your credit when you apply.

I wasn't talking about apping creditors you burned, I was talking about those you haven't burned that might or might not take EQ.

 

But fuk it, app the ones you burned as well.

 

There's a time and place for laser guided munitions, and there's a time and place for cluster bombs and white phosphorus.

Edited February 22, 2018 by Konrad2012

[shifter]

Barclay and Nordstrom/TD Bank, no go.

 

apped Cash+ and app was pulled for manual review. called the UW and he said it would be 24-48 hours to review. he said "everything looks good on the application, just has to go through the review process." didn't mention anything about previous accounts or anything like that. will call tomorrow to find out what they said.

[shifter]

Got a call from US Bank asking me to unfreeze my reports. I asked them to pull EQ. They said they can't, the system randomly picks a bureau so I need to unfreeze all of them. I said why don't you just keep trying until it hits EQ? The lady wasn't amused. So I called back a little while later and said, try again, they "should" all be unfrozen (of course, if EX and TU mess something up and don't unfreeze properly what can you do?)

 

We'll see if the system randomly chooses EQ this time.

[tobettercredit]

Interesting.

[shifter]

Got an alert from CCT this morning that USB pulled EQ yesterday.

 

My plan worked! Now to see if they approve...