Visa, Discover Card, American Express, or Discover?

Quick question... Visa, Discover Card, American Express, or Discover? Looking forward for any comment. Another question... OK so I live in Atlanta, which is EQ country, unfortunately. I think my EQ score is around 640-650 at the moment..

I NEED a good card with a good limit (my highest limit is $1050) and I'm willing to apply for ONE more card. And then I'm done for a while.

Anyways, I have a total of 12 INQs on EQ, only 3-4 of them are within the last 3-4 months..

Do you think this is too many to apply there? Should I wait a few months?.

EVERYTHING in Atlanta pulls EQ, it's kind of annoying. I know Delta CCU does too..

I can't handle a denial...

Discover Card

asked Feb 28 at 09:17

Javon
7●9

7 Answers:

oldest newest most voted

0	I would like to know the answer too. Anyone here know what is the right answer. I'll do some Googling and get back to you if I discover an good answer. You should email the people at Discover Card as they probably could help you.. answered Feb 28 at 10:37 Jimena 78●3

0	I wouldn't dream of jumping in front of you on this research project. By all means, you first, I insist!.. answered Feb 28 at 10:53 Crystal 37●2

0	I had to fax in a signature card.. Haven't heard back, and haven't funded the share and checking yet.. There IS one itsy-bitsy other item I MIGHT be interested in... answered Feb 28 at 12:12 Arthur 99●8

OP: If you want an instant, instant shiny new card, app in person, if approved D@lta will print out a card for you right there. Be sure to dress nice, first impression matters (at least in my little encounter with them). Be ready to rebuff some junk comments from their credit ninja. When I apped with them my EQ score was more than 740, with 2 inquiries. They gave me a 5K line, reasoning this and that. Upped it to 8K, but was like pulling teeth.

Good luck and have fun!..

answered Feb 28 at 13:30

Kinley
389●1

**UPDATE**.

So I called in to check on my application on Friday (it had been a WEEK since I faxed it in!!!) The "Loan Rep" said they haven't processed my account yet. Seriously?!? A WEEK later? Kind of annoyed by this. There are radio ads every day about Delta CCU and their GREAT credit products..

Did notice they pulled EQ on Friday though, maybe they are actually processing this??.

SO wish I had applied in person. ARGHHHH!!!!..

answered Feb 28 at 14:41

Brooks
304●6

I submitted my online application Jan 14th..

Faxed in signature card that day..

I COULD have had online access on the 15th, but called too late in the day..

Got online access on the 18th..

Member packet received the 21st..

Nice thing about Delta Community CU is that they support Quicken Direct Connect..

BUT, the Access Code has to be ALL numerical in order for Quicken to work..

They were VERY nice about walking me through it when I called.

Now, I'm going to let this age a bit, and.....

answered Feb 28 at 14:59

Ariana
221●2

0	Let's all mark our calendar and count the number of days before Bob starts applying!.. answered Feb 28 at 15:46 Mackenzie 88●1

0	Dang! I faxed my application in on the 15th. This is sooo unfair!. PROCESS IT, PEOPLE!!!!. GRRRR... answered Feb 28 at 17:02 Declan 11●4

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