I went on a mini app spree over this holiday season. I learned two things...1. some credit is easier to get than others and 2. most major credit card companies are real sticklers about inquiries
Approvals:
Walmart (mixed bag as I wanted the Walmart Discover)
Paypal smart connection (mixed bag as I wanted the paypal Mastercard)
Jareds (had to go into store with proof of income.
Credit union refinance car from 19% to 3.75% WOOO HOOOO this is the biggie
Denials:
Discover (only reason given was BK though it was over 6 years ago)
Credit Union denial for credit card (approval for auto refi so I'm still really happy about it, also advised that after 6 months with auto loan payments CC will be probable, unless I fall off the credit cliff)
Citibank (don't know official reason yet, but inquiries were hinted at)
So I will park myself in the garden for at least 6 months. May not even apply for any more cards until after I apply secure a mortgage. My scores are there for FHA. Will update TU fico when I get my first pull through Walmart.
7 applications is anything but a mini app spree.
Congratulations on your successes!
