I was approved 4 months ago for a Cap One Platinum Mastercard with no annual fee and no interest for a year, but then its 22.9% after that. I don't plan on carrying a balance anyway. Now it has been 4mo and I wanted to possibly apply for a 2nd card. Should I apply again at Cap One or try one of the others like Orchard or Hooters or maybe a credit union. I am not sure of where to apply, but want to try and avoid an annual fee, so I don't ever have to close the card. Any suggestions on any of this are greatly appreciated!! Thank you in advance.
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Discharged Chapt 7 on 7/7/10.
Scores as of 7/12/11: EQ Fico 653; TU Fico 644; EX Quizzle 652
Only card right now is Cap One $2500, no AF, approved 12/4/10. -
I always say credit unions if you can. You can try hooters ... Depending on how your credit looks. I have a 1,600 hooters card with no annual fee at 16%. But BK friendly credit unions are seeming to be very viable options.BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
Scores: EQ 745 EX 704 TU 710 as of 08/15/2012 -
I will have to look into the SAFE Credit Union that we bank with. I wish Hooters had the pre-check option like Cap One or Orchard. I was even thinking about applying for 2nd Cap One card, but don't know if that would help my credit as much as getting a different card.Discharged Chapt 7 on 7/7/10.
Scores as of 7/12/11: EQ Fico 653; TU Fico 644; EX Quizzle 652
Only card right now is Cap One $2500, no AF, approved 12/4/10.Comment
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