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76 gas card, On , Gap

New Member

76 gas card, On , Gap

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 Smiley Happy)
Message 1 of 25
24 REPLIES
Super Contributor

Re: 76 gas card, On , Gap


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 Smiley Happy)

Welcome to the forum

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

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 25
New Member

Re: 76 gas card, On , Gap

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.

Message 3 of 25
Regular Contributor

Re: 76 gas card, On , Gap

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?



FICO: EX 662 | EQ 670 | TU 681
Message 4 of 25
Super Contributor

Re: 76 gas card, On , Gap


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

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 25
Valued Contributor

Re: 76 gas card, On , Gap


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!!!Smiley Happy


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 6 of 25
New Member

Re: 76 gas card, On , Gap

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.
Message 7 of 25
New Member

Re: 76 gas card, On , Gap

i hav kohls, cap1, on, gap, walmart, 76 card, a&e, a&f.
Message 8 of 25
New Member

Re: 76 gas card, On , Gap

vs too..
Message 9 of 25
Super Contributor

Re: 76 gas card, On , Gap


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 ?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 25