04-18-2013 12:47 PM
i have not applied for any cards in the past three years. i did however buy a house 9 months ago. i am going away so i apped for a citi simplicity cards for its intro period. 0%/18months and i got instantly approved for 7k. that brings my total credit limit to around 25k. i make 48k a year. utilization is around 3%. i want to apply again for something! i dont know what? maybe chase freedom? should i wait until my citi card actually comes in the mail and its in my posessinon? for some reason i think that if i app with discover or amex or chase while my citi card is on its way maybe citi will change its mind and tell the mailman to come back! lol
04-18-2013 12:48 PM
What are your scores?
04-18-2013 12:49 PM
Do you have any inquiries on EX? Amex exclusively pulls EX.
04-18-2013 01:05 PM
04-18-2013 01:08 PM
i may have one inquiry on my experian. im not much of an app guy,. not alot of pulls on any of my reports except my mortgage 9 months ago. my scores then were between 740-770. now then can only be better but im not sure their exact number. i have three cards. with my new citi that makes 4 cards but my citi isnt even here yet nor activated but its on its way.
wells fargo 5k limit, credit union with 10k limit and best buy store card with 2600 limit. thats 17,600 in credit and maybe balances amount to $325. my new citi is a 7k limit. i make 48k a year.
04-18-2013 02:50 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO