drew11 wrote:Haha you're right 61 days, my bad! Well I've got to hand my success to the members and information on this board (except for the penfed, I have my mother to thank for cosigning my very first credit card)!
My current plan is to use the BCP as my primary card for the next two months to hopefully succeed in the 3x CLI to 6k. Once the 6k CL posts, I'm going to apply for my last dream card, CSP.
Should I wait 6 months until this Amex inquiry ages a bit and my scores can recover or would you guys recommend applying right away once the 6k begins posting to the CRA's?
I would wait until after you receive the $6k CL and it starts reporting for a few months. Because the CSP has a minium of $5k limit and Chase likes to see how you handle that kind of limit beforehand, so the $6k on the BCP will defenitly help you with that. Just be a little patient and you will get it!
Unfortunate as I use the heck out of mine and still think it's a great card.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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The Zync card isn't available anymore.
I got the BCE as well this month, for $4k, and the SPG for $5.5k (along with about four others for signup bonuses and rewards, mainly from Chase and one from Citi, the one from Citi for balance transfer/rate chasing) and they pulled Experian for me, 707 on one, 708 on the other. MyFico shows 643[!] EQ - dropped due to about 30% UTL, I think, 717 TU, with an AAoA of maybe 6 months - and I'm 23, but my income is quite a bit higher (double - $72k and $25k in capital gains) and I have half a mil in investments. Still, they took my word for it (for now, at least), although I expect an FR or at least mini-FR in the near future (probably in 61 days [edit: limits were successfully tripled with no FR yet]) to verify such. Cap One still won't raise my $500 limit, and Fifth Third tried to give me a $300 credit card when I called to close my $300 Fifth Third credit card. Now, that is one horrid bank.
Goal: 760 by End of Year
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