03-23-2013 01:56 AM
So. I'm thinking I want my next card to be the BCE. BUT, one of my main goals is to get into the 5 digits. I wanted to use the 3x CLI to get AT LEAST to the 10k mark. In order for me to do that, I'd need to be approved for AT LEAST 3.5k.
Here is my current profile, and maybe you guys can give me feedback:
1st Financial Bank USA 07/08: $0/6400 (23% APR)
Wells Fargo Bank 08/08: $0/3600 (20.55% APR)
AMEX Green 06/12: NPSL
Citi Thank you Preferred 07/12: 4100/4200 (0% till March 14'. Then 15.99% APR)
Chase Sapphire Preferred 03/13': 0/5000 (15.24% APR)
Do you guys think i'd be approved for a MIN line of 3500?
03-23-2013 03:30 AM
03-23-2013 07:54 AM
Oh yea. Forgot to include those...lol.
Score, TU 704, EQ 674
Never been late, no baddies whatsoever...However, these are WITHOUT my CSP. Or my CLI. I have not received an updated fico score yet because I wanted to wait before my CSP reported. I will be doing that in the next few days or so since my statement cut off was just yesterday.
03-23-2013 11:54 AM
03-23-2013 11:58 AM
And what is the alternative? Asking for CLI's on existing cards.
Even if the 61 day doesn't get you 10K, another after 6 more months should, so why not apply and see what you get?
Also, why is 10K so critical? Is this for a definite need or for self-image!
03-23-2013 12:03 PM
I would be concerned about the maxed Citi card. Everything else looks good for the 3-4k CL.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO