02-27-2013 08:35 PM
So my score shot up to a 760 average from all three early last week. I tried to call my high rate cards for a rate decrease and asked about BT promos, but was denied. I remember reading about app sprees, but didn't think about it until after I applied for two cards on Thursday. I applied for a Chase Slate and a Cit Simplicity and was instantly approved. Saturday morning I decided to try my luck with Barclay Rewards, AMX BCE, Discover IT, Chase Freedom, Cit Dividends, and a Capital One Rewards. All were approved except the Cit Dividends and the Capital One Rewards. I only wish I would have applied for all 8 on the same day. Overall I'm happy, but wish I would have done it the correct way. I've received a much lower rate than my other cards and some great promo offers. My Discover It card arrived today. I can't wait for the other cards to get here. I'm moving next week and need to do some house shopping.
02-27-2013 09:05 PM
02-27-2013 10:23 PM
I meant I need to do some shopping for the house. My brother just bought a new house. I'm moving in with him.
I have 2 high APR cards with Citi at 29.99%. They allowed me to open up the Simplicity card at 0% BT for 18 months and at 12.99% after. The catch was I had to transfer up to 54% of my credit from either of the 2 higher APR cards. One was at 8k and the other at 14k. I felt like struck gold. I was thinking of trying to close out one of the cards and asking them to transfer the remaining credit line to the new card. I was thinking of doing the same with my Amazon Chase card at 17.99, since I got the Freedom and Slate at a much better rate. Is that possible at this time or should I wait before asking. I don't want to rock the boat so soon after getting 8 inquiries in the last week.
02-27-2013 11:40 PM
02-28-2013 03:44 AM
02-28-2013 05:55 PM
I got my utilitzation down to 11% as of this month. My main goal was to get my creditors to lower my APR due to my higher credit score. The three high APR ones said no. I went ahead and applied for new cards with lower rates. I haven't been using my cards for purchases, but will do a balance transfer. I'm gonna let them sit for a while and garden for a bit.
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