76 gas card, On , Gap

[JinglongRN]

I just recently opened an account on these cards. I am trying to rebuild my credit. no BK just serious deliquency re past CC. When can I expect a cli frm them? also when do i get qualified for major cc frm banks. thank u )

[myjourney]

---

@JinglongRN wrote:
I just recently opened an account on these cards. I am trying to rebuild my credit. no BK just serious deliquency re past CC. When can I expect a cli frm them? also when do i get qualified for major cc frm banks. thank u )

---

Welcome to the forum

We will need more info about your profile to help with the major CC question

[JinglongRN]

TU was 656 when I applied for barclay and got denied. I had many inquiries since april..got approved with 8 cards. My Fico TU on May 21 dropped to 571 ;(, Fico Eq is 636, wamart fico is 650.

[blk8]

If you just opened up 8 cards last month, I would definately stop RIGHT NOW!

Let them age on your report for 8-12 months before considering anything else. Which cards did you get?

[myjourney]

---

@JinglongRN wrote:

TU was 656 when I applied for barclay and got denied. I had many inquiries since april..got approved with 8 cards. My Fico TU on May 21 dropped to 571 ;(, Fico Eq is 636, wamart fico is 650.

---

You need to garden for 6-12 months due to the recent drop in scores from all your app's 

During that time you will be building positive history, aging cards / INQ's while scores are climbing 

YMMV but it usually takes about 4-5 months before they return to the same levels before your spree

Just in case you have any baddies work on them while your gardening

[asphaltcowboy]

---

@myjourney wrote:

---

@JinglongRN wrote:

TU was 656 when I applied for barclay and got denied. I had many inquiries since april..got approved with 8 cards. My Fico TU on May 21 dropped to 571 ;(, Fico Eq is 636, wamart fico is 650.

---

You need to garden for 6-12 months due to the recent drop in scores from all your app's 

During that time you will be building positive history, aging cards / INQ's while scores are climbing 

YMMV but it usually takes about 4-5 months before they return to the same levels before your spree

Just in case you have any baddies work on them while your gardening

---

^^^^^^^++1  time to pickup your seedling!!!

[JinglongRN]

by gardening do u mean nonapps just wait for cli? do they give automatic cli? if do hw many months...my uti on my cc is between 10-15% and pif.

[JinglongRN]

i hav kohls, cap1, on, gap, walmart, 76 card, a&e, a&f.

[JinglongRN]

vs too..

[myjourney]

---

@JinglongRN wrote:
i hav kohls, cap1, on, gap, walmart, 76 card, a&e, a&f.

---

Yes gardening means no more app's 

Cap1 try EO office if its over 6 months old

Walmart wait until 4th statement cuts call credit solutions number

76 card others will have to chime in 

Not sure what a&e and a&f is ?