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Valued Contributor
creditnocash
Posts: 2,187
Registered: ‎07-23-2012

Re: Advice Needed for New Card App


lylesvegas wrote:

2000 $ to start....


2000? what 

 

did you app for your freedom thanksgiving day? 

 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Contributor
lylesvegas
Posts: 80
Registered: ‎11-21-2012

Re: Advice Needed for New Card App

2000 CL on my Discover..... I do not have a chase....

Started Gardening Thanksgiving Day 2012 !!

Wells Fargo Cash Rewards / Discover More/ Barclaycard Rewards / Cap One Platinum / Cap One Cash card/ PayPal Smart Connect
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Advice Needed for New Card App

Paid down your utiliti down would increase some more points there.

I would go for amex green.

Discover and Chase. Apps them all then garden i guess.

I found it weird when i request my capital one mutiple times and they wont budge me a pennie for my credit limit increase but after 2 months new account like Discover,Amex report. They increase me from 500 to 2k. One day waiting before executive call me.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Advice Needed for New Card App

Lyles Vegas, were you instantly approved or did you have to recon? I received conditional approval for a Chase Freedom last week after recon. 703 fico. Only bad is a BK from 2003 that is falling off next year.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Regular Contributor
icetrap06
Posts: 161
Registered: ‎12-27-2012

Re: Advice Needed for New Card App

Thanks everyone for your advice.  I just sent an e-mail to the executive office for Capital One this morning.  A few hours later I recieved a phone call from the Executive Office.  The rep stated they should be able to expand my credit limit and give me rewards on my current card.  So, I will hold and see what comes of the request.  If nothing comes to pass with Capital One, I am moving them to the sock drawer.  I'll let you all know what happens.

CMCU Platinum (12k) | Discover IT (7k) | AMEX Green Card (NPSL) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) |Citi HHonors Gold (4k) | AMEX SPG (1k)
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Scores: EQ - 670 (outdated) | TU- 742 | EX - 691
Regular Contributor
icetrap06
Posts: 161
Registered: ‎12-27-2012

Re: Advice Needed for New Card App

One more question...Will my one late utility payment even factor in when getting a revolver?

CMCU Platinum (12k) | Discover IT (7k) | AMEX Green Card (NPSL) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) |Citi HHonors Gold (4k) | AMEX SPG (1k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 (outdated) | TU- 742 | EX - 691
Regular Contributor
icetrap06
Posts: 161
Registered: ‎12-27-2012

Re: Advice Needed for New Card App

So, I took the plunge and went on an App spree and got the following:

 

1.) Capital One to increase my limit 1k

2.) AMEX Green Charge Card

3.) Discover IT (6k limit!!)

 

Thanks for the advice everyone!

CMCU Platinum (12k) | Discover IT (7k) | AMEX Green Card (NPSL) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) |Citi HHonors Gold (4k) | AMEX SPG (1k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 (outdated) | TU- 742 | EX - 691

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