Author Topic: Which one CC is the best to apply for 11/30/21 version  (Read 2295 times)

Offline ExGingi

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Which one CC is the best to apply for 11/30/21 version
« on: November 30, 2021, 03:25:58 PM »
I expect my credit score to take a significant hit tomorrow, as my application for a mortgage modification with BofA is stalled due to their incompetency. Earlier this week my score was over 800, and I just got approved for an AMEX BP yesterday. I am currently blacklisted by Chase (and BofA is obviously not an option at this point, even if they had something attractive).

Which card is the most bang-for-buck/lucrative (preferably without huge spend requirements, but willing to consider if it's lucrative enough) to apply for today, before the expected hit to my credit tomorrow?

Citi Premier?
Citi AA? Citi AA Business?
CapOne Venture?
Anything else?

(I don't expect to do much if any traveling in the next 6 months).
I've been waiting over 5 years with bated breath for someone to say that!
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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #1 on: November 30, 2021, 03:32:39 PM »
Not sure I'm following. How does a single credit inquiry from BofA significantly hit your credit? Or are you planning on defaulting?
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Offline Davidthebest

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #2 on: November 30, 2021, 03:33:00 PM »
Barclay's AA 60k miles with no spend required and no fee paid

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #3 on: November 30, 2021, 03:37:47 PM »
I am currently blacklisted by Chase...
Blacklisted or accounts closed by them? When is the last time you tried?
I would try for one of the business cards.
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Offline ExGingi

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #4 on: November 30, 2021, 03:39:09 PM »
Blacklisted or accounts closed by them? When is the last time you tried?
I would try for one of the business cards.

I tried several months ago. There's some serious history out there including settlements and COs.
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Offline ExGingi

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #5 on: November 30, 2021, 03:40:51 PM »
Not sure I'm following. How does a single credit inquiry from BofA significantly hit your credit? Or are you planning on defaulting?

You are definitely NOT following. This isn't about an inquiry. This is about having a mortgage completing its 19th month of no payments (18 months with no Credit Reporting courtesy of COVID-19).
I've been waiting over 5 years with bated breath for someone to say that!
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Offline ExGingi

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #6 on: November 30, 2021, 03:41:40 PM »
Barclay's AA 60k miles with no spend required and no fee paid

Sounds interesting. Though I don't mind small spend, if that will give me something better. And while in the past I didn't view AA miles as very valuable, they have proven valuable over the past year with the route to TLV, so I definitely see potential value.
I've been waiting over 5 years with bated breath for someone to say that!
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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #7 on: November 30, 2021, 03:47:28 PM »
Sounds interesting. Though I don't mind small spend, if that will give me something better. And while in the past I didn't view AA miles as very valuable, they have proven valuable over the past year with the route to TLV, so I definitely see potential value.
If you want you can DM me I'll send you the link. It's not showing up thru Google.

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #8 on: November 30, 2021, 04:01:19 PM »
You are definitely NOT following. This isn't about an inquiry. This is about having a mortgage completing its 19th month of no payments (18 months with no Credit Reporting courtesy of COVID-19).

OIC, that makes sense. Though it might not hit all three bureaus (or any) on day 1 of month 19.
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Offline ExGingi

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #9 on: November 30, 2021, 04:04:31 PM »
OIC, that makes sense. Though it might not hit all three bureaus (or any) on day 1 of month 19.

Tomorrow is day 1 of month 20
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Offline ExGingi

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #10 on: November 30, 2021, 04:18:11 PM »
Barclay's AA 60k miles with no spend required and no fee paid

Any risk/downside to shutting this down right after the bonus posts?
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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #11 on: November 30, 2021, 04:26:25 PM »
Any risk/downside to shutting this down right after the bonus posts?
Why would you do that ,

Offline ExGingi

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #12 on: November 30, 2021, 04:38:04 PM »
Why would you do that ,

Just another card that I am likely not to use, with a CL that I don't need. At a certain point wouldn't that hurt me by saying I have too much available credit. Also, wouldn't closing it sooner potentially make me eligible for another SUB sooner?
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #13 on: November 30, 2021, 04:45:08 PM »
Citi Premier?
Citi AA? Citi AA Business?
CapOne Venture?
As many as your planned spending will allow you to reach the bonus?
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline ExGingi

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #14 on: November 30, 2021, 05:01:53 PM »
As many as your planned spending will allow you to reach the bonus?

Let's just say that my planned spending (fulfilling pledge) is covered by 2 AMEX BP that I just got. I'm sure there will be more spending, but nothing specific is currently planned.
I've been waiting over 5 years with bated breath for someone to say that!
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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #15 on: November 30, 2021, 05:05:57 PM »
no spend required

There is 1 purchase required iinm but yes this is a no brainer.

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #16 on: November 30, 2021, 05:20:40 PM »
Just another card that I am likely not to use, with a CL that I don't need. At a certain point wouldn't that hurt me by saying I have too much available credit. Also, wouldn't closing it sooner potentially make me eligible for another SUB sooner?
Never close a card in the first year.

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Re: Which one CC is the best to apply for 11/30/21 version
« Reply #17 on: December 01, 2021, 09:01:45 AM »
Never close a card in the first year.
I guess Chase didn't get the memo.  :)
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