Even though Costco is a legacy Card from Citi, it seems they are abit more open to approval rates even for those with bk or multiple inquiries. Its always a gamble though with Citi if you have multiple inqs in past 6 months. How many hps do you currently have?
Going from 580's to 700's in 3 months is crazy awesome. Im sure youll be asked how you did that. If the 13.5 k was a starting limit from Disco, youll become instant Fico legend, lol
, as we dont see that kind of sl from them often. Great job though so far. I wouldnt worry about too much too soon, just use them responsibly and if all were obtained recently, i would definitly garden abit of time to let them breathe and grow. I would only worry if i had a CLD, Crazy Low Discover , but you're all good with your CHD, crazy high Disco
Going from 580's to 700's in 3 months is crazy awesome. Im sure youll be asked how you did that. If the 13.5 k was a starting limit from Disco, youll become instant Fico legend, lol
, as we dont see that kind of sl from them often. Great job though so far. I wouldnt worry about too much too soon, just use them responsibly and if all were obtained recently, i would definitly garden abit of time to let them breathe and grow. I would only worry if i had a CLD, Crazy Low Discover , but you're all good with your CHD, crazy high Disco
@AverageJoesCredit wrote:
Even though Costco is a legacy Card from Citi, it seems they are abit more open to approval rates even for those with bk or multiple inquiries. Its always a gamble though with Citi if you have multiple inqs in past 6 months. How many hps do you currently have?
Going from 580's to 700's in 3 months is crazy awesome. Im sure youll be asked how you did that. If the 13.5 k was a starting limit from Disco, youll become instant Fico legend, lol
I don't even know how it happened actually. I don't have any late payments really (except for student loans grrrr), but I did have collections and a judgement that I was able to remove. Maybe they were higher as I was only going through CK scores. I just found out my FICO scores today through CCT. I had posted my disco story somewhere in here (but I can't find it now. ha!). It was nuts. I applied (after being on a high on my furniture approval) and I got a credit limit of 6500. Then I decided I needed to get rid of my Credit One balance and finally close it so I asked for a balance transfer through chat. The guy came back and said "and..good news. your credit limit is now 13,500. I about fell out of my chair. I have checked that card every day to see if it was a mistake. I didn't even ask for a CLI. I was thrilled to have 6500. I have been apping like crazy though...and I really want that Costo card, but I'm afraid I have too much new credit. I have been apping like a crazy person lately though.
@Anonymous wrote:I have been in the rebuilding process and I have been doing very well (I still have student loan baddies that I will just have to wait out) anyhow..my real fico scores (accoring to CCT) are 706, 701, 686. This is amazing considering 3 months ago I was in the 580's (according to FAKO CK) I have learned so much from you. THANK YOU!
Anyhow...my question. I have applied (and been approved for) a new DISCO 13,500, a new Furniture 3,700, my credit union gave me a 5,000 visa and AMEX 1000. I know this is a lot of credit, but I got so excited when I started getting approved. I really want to try the Costco Visa as I shop and spend a lot of money there often. Should I bother with this or should I park my butt in the gaden? Also, do you all think it is too much and I will start seeing CLD
I think you should garden.
@Anonymous wrote:
@AverageJoesCredit wrote:
Even though Costco is a legacy Card from Citi, it seems they are abit more open to approval rates even for those with bk or multiple inquiries. Its always a gamble though with Citi if you have multiple inqs in past 6 months. How many hps do you currently have?
Going from 580's to 700's in 3 months is crazy awesome. Im sure youll be asked how you did that. If the 13.5 k was a starting limit from Disco, youll become instant Fico legend, lolI don't even know how it happened actually. I don't have any late payments really (except for student loans grrrr), but I did have collections and a judgement that I was able to remove. Maybe they were higher as I was only going through CK scores. I just found out my FICO scores today through CCT. I had posted my disco story somewhere in here (but I can't find it now. ha!). It was nuts. I applied (after being on a high on my furniture approval) and I got a credit limit of 6500. Then I decided I needed to get rid of my Credit One balance and finally close it so I asked for a balance transfer through chat. The guy came back and said "and..good news. your credit limit is now 13,500. I about fell out of my chair. I have checked that card every day to see if it was a mistake. I didn't even ask for a CLI. I was thrilled to have 6500. I have been apping like crazy though...and I really want that Costo card, but I'm afraid I have too much new credit. I have been apping like a crazy person lately though.
Wow! Even $6500 is a great SL with Disco and they clearly like your profile to up it to $13500! Congratulations! And congrats on closing Credit One, I consider closing it a rebuilders rite of passage!
I can tell you from experience that if there is a card you really want, it can be very hard to garden. The way I kind of look at it is if you go for the Citi Costco and get approved, it will be easier, and if you get denied then, well, obviously you have to stay in the garden for a while to get it down the road.
Good luck with whatever you decide to do!
Try gardening for 6 months to a year.
12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757