I haven't been on this forum site in a while, but I would like to share that I finally came out of the garden after 6 months and decided to apply for the Citi Simplicity card. After a nerve wrecking minute, my screen loaded and I was instantly approved for my biggest limit yet - $4700. Keep in mind I have a very short credit history and low limits on my other credit cards.
Stats:
AAoA: 1.4 years
Oldest Account: 1.7 years
Inq: not sure about each CB but CK shows I got 19 (TU) .. I know that's alot of inquires haha.
Income: ~20k/year (Student) 21 yo
CL on CC: BoA Cash Rewards - $800 , Golden1 CU - $500, GE: Amazon - $1800, Walmart - $800 Cheveron - $800
Loans: 22k (Car Loan)
Utilization: 11% at the time of applying (5/5/14)
No derog
Hope this helps future applicants!
TU 746 (10/13)
GOAL: 750+
