today im paying off roughly most of my debt( with an interest free loan from my parents) (for a few months)
my util will be under 15%.
now i wanted to ask for a cli on chase freedom, and my discover it. they will both be at 0 balances. im just looking to do this to raise limits, not that ill actually spend it. (a freedom signature is a goal for me though)
ill be applying for a ploc, which pulls eq.( i know because i applied last year) only requirements i was told was a 680 credit score (which when i had a lot of debt i was at 679 and nothing has changed so im good there) and a dti of <40% which i should be good there too after all my balances and charge card report 0.
im assuming after i apply, ill be good after that as to my knowledge they dont pull again.
now i pc my citizens cash back, to their new card which earns 1.5% all the time plus a bonus .3% if you purchase repetedly, and dd cashback into a account with them for a 10%bonus on reward points.
planning on pc my citi diamond do a dc card( on 3/16 after statement cuts. thats when my 0% is over)
basically i guess im asking who do they pull ( i know chase does, not sure about discover though) ive had my freedom since 7/2012 and discover since 9/2013
sorry for the book. i can provide balances/inq if needed.
@Anonymous wrote:
I would not apply for anything. If you've been maxed out I would work on being more responsible with credit and then focus on paying your folks back.
i wasnt maxed out like fully, i was at 52% util.
the reason why i took the money was because i had a couple high balances on HIGH interest (17.99 and 19.99) cards.
the point of the ploc is to consolidate, and have a lower interest at 9%
yes its not 0% or 0 balance. but ive payed alot of debt off myself before my parents lent me their tax refund.
since i have no need for any kind of credit or big purchases, while my util is down, i thought id ask for a couple cli, to match the ones i have on other cards.
tbh i dont really care for discover to cli, more freedom so i can get a visa signature.
besides util, my credit is "perfect" as in no lates, no derogs anything.
i looked today, newest account is 1.6 years old, oldest is 4.4 with an aaoa of 2.9 years, over 15 accounts/ 2 are closed.