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I've been wanting to apply for 1 or 2 more credit cards, but am afraid of being denied. I currently have a capitol one card with a $500 limit. I was recently approved to lease a new car in the mid 20's and did. TU 656 EQ 639. Any advice?
new car loans tend to hurt chances for first couple months. I would wait get 6 months of payment history on the car loan showing and then apply. At which time any approvals you get will probably result in higher intial CL's and better terms.
@cballa51 wrote:I've been wanting to apply for 1 or 2 more credit cards, but am afraid of being denied. I currently have a capitol one card with a $500 limit. I was recently approved to lease a new car in the mid 20's and did. TU 656 EQ 639. Any advice?
Need more info any baddies how many INQ's how long have you had cap1 etc etc what cards would you like?
Nothing in collections. 2 inquiries. Capital one from january, and the car dealership in february. I bank with chase, so i figured i'd give them a try.
@cballa51 wrote:Nothing in collections. 2 inquiries. Capital one from january, and the car dealership in february. I bank with chase, so i figured i'd give them a try.
IMO
I think you need to garden for awhile to age your cards at least 6 months chase likes to see 1 year of history so you might be jumping the gun.
Yes the fact that you have history with chase could play a part but your credit file is very thin
Hope this helps
My dad put me one of his credit card accounts 7 months ago. its an 8 year account. Never late $11,000 limit. Does that help at all?
@cballa51 wrote:My dad put me one of his credit card accounts 7 months ago. its an 8 year account. Never late $11,000 limit. Does that help at all?
Yes that helps you so much but they will also be looking at your recent approvals and wanting to see how you manage those accounts
@cballa51 wrote:I've been wanting to apply for 1 or 2 more credit cards, but am afraid of being denied. I currently have a capitol one card with a $500 limit. I was recently approved to lease a new car in the mid 20's and did. TU 656 EQ 639. Any advice?
If you're looking for any card, and nothing specific, you should try a store card? Maybe app for an American Eagle Visa, if denied the Visa, chances are they'll approve you for the store card. Or you could try the walmart card, if your profile's good enough, they'll give you the Walmart Discover, if not, you'll get the regular Walmart card.
Thank you everyone for your insight.