thinking about app spree,looking for advice

[owlnutS]

had hsbc - now cap1 , stuck $500 cl forever. 2 months ago cli of $500 to $1000 cl

just req. another cli - 10 decision by mail coming.

checked for preapproval w/sp on credit - site recommended secured card, hmmmm

just asked local cu for personal loan, instead refi'd car for $8000(only owed $1400 on it)

cu also approved $2000 mc (they pulled tu score 688)

ok, so all 3 credit scores 686-688, 1 co in 2011 is paid

no lates since 2011

1 collection for $59 that I should dispute,probaly will just pfd eventually

salaried @34k

always pay cc balances in full monthly

monthly payments $200 for refi'd car loan,$450 rent,+ basic monthly living expenses

so can anyone recommend cards that I will likely get approved for? And how many apps do you recommend at a time?

I've been gardening for awhile and increased cs's by 130 pts. in a year,and since I've got a hardpull I figured I might as go on app spree now and then garden agian.

THANK YOU

[Creditaddict]

Check the pre-qual site for Discover and Chase.

You are good contender for GE backed cards - Walmart, Chevron, 76 Gas Card, PayPal MC, the list goes on.

Comenity bank cards - Virgin America, you could try shopping cart trick for Total Rewards, Express, etc.

try pre-qual for amex and see about a charge card.

[owlnutS]

Thanks for the help.

I app'd at discover got IT card w $800

also Chase w $2000

What's a good # of apps to do at one time without major damage to creditscore?

[Creditaddict]

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@owlnutS wrote:

Thanks for the help.

I app'd at discover got IT card w $800

also Chase w $2000

What's a good # of apps to do at one time without major damage to creditscore?

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for best scoring you have the number of accounts you need now... but if you spend money somewhere that you could benefit more by having a paticular card now would be the time to decide and apply so they all age at the same time.

congrats on your 2 approvals, very nice on the chase one!

Discover you can ask every 3 months if a sp CLI is avialable on your account.

Chase is always hp if you ask so just hang out for a while with them and see if they auto cli.

[baller4life]

Congrats on your new cards!!

[gdale6]

Congrats OP

[owlnutS]

Just applied for Walmart cc, only got $150 cl.

How often do they do CLI,are they auto or need to be requested.

How about pulls for cli, soft or hard?

So, I think I'll quit while I'm ahead,atleast now I will be able to have established credit.

Always been told I didn't have enough credit.

Goal is to get a mortgage ASAP,guess that will be 6 months from now.

THANKS

[Dw4250]

I would stop apping now if you are thinking of buying a home in the next 6 months.  It is generally recommended to keep your file free from inquiries for at least 6 months prior to applying for a mortgage.  Actually, a year is optimal.  Make sure you PIF every month, or at the very least keep balances <10%.  My guess is if you do this, your scores will be ~700 (if not better) by this time next year.

Try to get the two baddies off your report....that would definitely expedite the process.

Good luck!

[Uppingmyscore]

Congratulations on your approval and ditto to everything Dw4250 mentioned.

[-Wade-]

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@owlnutS wrote:

Thanks for the help.

I app'd at discover got IT card w $800

also Chase w $2000

What's a good # of apps to do at one time without major damage to creditscore?

---

Congrats on your approval's