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Mega Contributor
coldnmn
Posts: 13,933
Registered: ‎08-08-2011
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Re: After Gardening What Should I Do?

If you do both in April and Lexie makes very good points seeing as you will have 1 year. Do the Amex 1st and then the Walmart. You should get both.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8000
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Agent_Zero
Posts: 73
Registered: ‎09-17-2013
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Re: After Gardening What Should I Do?

Oks so apply for both in april? 

 

And what about reducing my apr on my cards. Is that possible?



Recovering from a irresponsible au.

***-Gardening-***
10/10/13-4/10/13

If it won't for myfico my only card would be my debt it card.
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user5387
Posts: 1,794
Registered: ‎07-01-2010
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Re: After Gardening What Should I Do?


Agent_Zero wrote:

I didn't mean all of those cards, I just meant go for one or go for a couple store cards.

 

But oks thank you see that's why I ask these questions. :smileyhappy:

 

You changed my whole view on things. So my new goal is to keep my 3 cards and raise my CL's. But what if I can't get a higher limit. Is it possible to get a lower apr?

 

And when I do go for my 4th card I think I will try to get my foot in the door with amex. Even tho walmart gives monthly tu score.


If your AAoA  is 7.0 months, with three cards, and you wait six months and get two more cards, then you will have an AAoA of around 7.8 months.

 

I can't say what you should do, but I'd probably wait longer, and then get just one, either an Amex revolver like BCE or a CU card with a high CL.

 

In the meanwhile, you can try to get CLIs, keep your utilization low, and deal with any inaccurate information or derogatories on your reports.

 

Mega Contributor
coldnmn
Posts: 13,933
Registered: ‎08-08-2011
0

Re: After Gardening What Should I Do?

[ Edited ]

Before you apply check out whogavemecredit.com to check out your chances.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8000
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /


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