Credit Experts Ravalamma

[ronitreddy]

Need your suggestions for applying for a new CC.

Credit Profile:

Credit Score: 727(CK) as of today.
Credit Rating: Good
Length of Credit History: 3 years
Credit Limit: $25000
Cards: 2
Inquiries: Moderate amount of hard credit inquiries(5) since last year.(1 hard enquiry added yesterday).
CC Utilization: 16%

Requirements:

1. Credit Limit needs to be approved for at least[size=6] [b]$7000[/b][/size]
2. 0% Intro APR on BT and purchases for 12 months
3. No annual fee

P.S: I am not looking for any card in particular, willing to apply any card which can meet above requirements. Thanks

[tom brady]

CK lo 727 undi ante vaadu transunion di istadu bhayya.....equifax lo chuste needi 670 untadi...so apply for a credit card which doesnt look for your credit score in equifax....

CITI apply chesko or else BOFA is also fine...I personally try to avoid chase

[ronitreddy]

[quote name='tom brady' timestamp='1363626933' post='1303443330']
CK lo 727 undi ante vaadu transunion di istadu bhayya.....equifax lo chuste needi 670 untadi...so apply for a credit card which doesnt look for your credit score in equifax....
[/quote]


Yeah CK nen consider cheyanu bhayya..TransUnion lo 732 undi mari Mar 6, 2013 ki..ninna oka hard hit ayindi..may be dani valla 1-5 points thaggundochu..anduke 727 anna..CK through just oka update ochindi..727 ani undi updated score..

[macha]

almost all banks give 12 months 0%


bank of americaa apply chesuukoo but after 12 months neekuu interest rate peliipootadiii....

chase evaduuuu anukuntaaa 7 K kii but try........

Citi is best for me points kudaaa baga add avutakieee

American expresss loooo okaa card untadiii try that if intrested.....

[dalapathi]

naaku CK lo 772 vundhi .. monna oka amex. dhi apply cheisna approve ayyindhi ... limit entho telvadu inkaa

inthkaa mundhu 2 cards vunnayi citi inka bofa ... bofa 10k ... citi 7k limit

[Nellore Pedda reddy]

CK di crct kadu.... Annualcreditreport.com lo 3 credit bureaus score free ga check cheskovachu okasari....utilization bagundi....recent hard inquiry might have a -ve impact

[tom brady]

[quote name='Ronit' timestamp='1363627059' post='1303443337']
Yeah CK nen consider cheyanu bhayya..TransUnion lo 732 undi mari Mar 6, 2013 ki..ninna oka hard hit ayindi..may be dani valla 1-5 points thaggundochu..anduke 727 anna..CK through just oka update ochindi..727 ani undi updated score..
[/quote]
go for CITI or BOFA...best options for this score..

[ronitreddy]

[quote name='django' timestamp='1363627120' post='1303443343']
almost all banks give 12 months 0%


bank of americaa apply chesuukoo but after 12 months neekuu interest rate peliipootadiii....

chase evaduuuu anukuntaaa 7 K kii but try........

[b]Citi is best for me[/b] points kudaaa baga add avutakieee

American expresss loooo okaa card untadiii try that if intrested.....
[/quote]


Which citi credit card do I need to consider bhayya?

[tom brady]

[quote name='Nellore Pedda reddy' timestamp='1363627204' post='1303443355']
CK di crct kadu.... Annualcreditreport.com lo 3 credit bureaus score free ga check cheskovachu okasari....utilization bagundi....recent hard inquiry might have a -ve impact
[/quote]
+1

[k2s]

apply for any 4 cards at a time... sure ga edo okati isthadu... with manchi credit limit

[tom brady]

[quote name='Ronit' timestamp='1363627253' post='1303443365']


Which citi credit card do I need to consider bhayya?
[/quote]
CITI platinum select or THANK YOU card

[tom brady]

[quote name='Scrooge' timestamp='1363627301' post='1303443379']
apply for any 4 cards at a time... sure ga edo okati isthadu... with manchi credit limit
[/quote]
+10

[tom brady]

[quote name='dalapathi' timestamp='1363627200' post='1303443354']
naaku CK lo 772 vundhi .. monna oka amex. dhi apply cheisna approve ayyindhi ... limit entho telvadu inkaa

inthkaa mundhu 2 cards vunnayi citi inka bofa ... bofa 10k ... citi 7k limit
[/quote]
one card PM plz

[ronitreddy]

[quote name='Nellore Pedda reddy' timestamp='1363627204' post='1303443355']
[b]CK di crct kadu[/b].... Annualcreditreport.com lo 3 credit bureaus score free ga check cheskovachu okasari....utilization bagundi....recent hard inquiry might have a -ve impact
[/quote]


Agreed..TransUnion lo 732 unde..oka 10-20 points atu itu veskunte ..edi apply cheyalo thinking sethunaaa..Right now consider chesthuna cards

1. Citi Simplicity
2. Citi Dividend Platinum Select Master Card
3. BOFA Cash Rewards

[k2s]

[quote name='tom brady' timestamp='1363627341' post='1303443384']
+10
[/quote]