Credit Cards

[Kwao]

What's considered too many inquiries?

[jamesdwi]

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Mymustangconv wrote:
I honestly don't know what voodoo amex uses for approvals. I just got approved for the $500 limit Zync with a cteditkarma fako of 599 and 71% uti. I'm DEFINITELY not complaining tho!

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FAKO's are useless, creditkarma is only good for report tracking, I got a 6 pts boost in my fako for paying off my 200 CL target card balance was $80. Reason for the improvment my "monthly payment decreased $25"  My Credit Karma score was 640 and my EX Fico was around 710 (AMEX Pull),  TU Fico (Walmart)  was 720. Ignore the score use to figure out UTL, AAoA and when Credit Cards report and to watch baddies.   

[rtw]

I was approved for the Zync and Gold on 7/19 with a 651 EX FICO. Had a previous CO w/ AmEx about 12 years ago. Found out I'm not on the blacklist.

[ceemee2203]

I was approved for AMEX SPG in May, $2000 limit not sure what my score was. I was denied the Gold this past July with a 707 FICO. I had too many inqs in the past year (3); too much loan debt ($12000 in college loans); too many loans (my FED loans report separately--there are 5--and I have a private loan; too many negatives (1 30 day late from 2008--the card had been closed for a year, so I don't know how--and 120 day late in 2007).

[longslim]

Approve in store for True Earning Costco card. I was happy didn't want the embarrassment of a clerk saying sorry sir your a deadbeat. I was a little surprise I must admit, it was  approve with a $4500 limit and a 15.24% apr.

My score on MyFico are 719 Credit Karma 695 with 14% utilization. I have not use any other site for scoring.

[ccb2115]

Just approved for the Amex BCE after a succesful recon! (Already a member) I'm not exactly sure what my scores are, but I know all of my credit reports have the same info on them. My EQ is about 715ish, so I would say my EX is lower 700's or a little below due to a bunch of inquiries.