Reply
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

App spree

After my Credit One hit 6 months period, im going to apps for maybe 2 credit card. i already paid all my balance on my card under 10 bucks........and utility down under 9%. My score should increase somewhere around 670 or 680..........Credit file is on my Signature......Here's my list

  1. Discover More
  2. US Banks
  3. City Banks
  4. Amex
  5. GE

So what do you guys think ?? The best 2 cards there.......Im planning on the long run and maybe going to closed my newest credit one card till its hit 1 years anns......And maybe Orchard Bank next year.....So if i add 2 more ccards right now and stick with it then its not going to hurt my AAOA that much........I need some advice......thanks guys.....My AAoa about 3.2 years and i had 8 TL......


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

Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: App spree

Good luck!!! keep us posted.... you have the same credit file like mine.... I wanna see how you did...


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: App spree

what cards do you had now kobe ?


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
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: App spree

Does my credit score going to dings a lot if I apps for two cards now ?????


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

Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: App spree


nicholasyud wrote:

what cards do you had now kobe ?


i have:

Cap one :$1000 

Cap one cash rewards: $1250 

Walmart store: $2000

Chevron gas card: $1700

Gap store: $1000

Kay jewelers: $1500

Amex Zync: $500 PSL

 

the cap one with $1k was the only one i opened in 01/2011 and the rest i opened the last six months.... A lot of apps and denials, i mean A LOT!! But when i opened my walmart and chevron (Started $500 and $400 CL)i think i had 10 negatives including 4-5 collections....gap started ($200 CL).. Am down to 2 charged offs and 1 collection (5-6 yrs old)....  Am glad am gettn nice increase from GE and i got Zync before it was discontinued..am gonna try chase and barclays at the end of the week and am done for the year

 


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: App spree


nicholasyud wrote:

Does my credit score going to dings a lot if I apps for two cards now ?????


i havent seen any changes in my score after 6-7 inquiries...i have at least 7+ on each bureau the past 6-7 months


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: App spree


nicholasyud wrote:

After my Credit One hit 6 months period, im going to apps for maybe 2 credit card. i already paid all my balance on my card under 10 bucks........and utility down under 9%. My score should increase somewhere around 670 or 680..........Credit file is on my Signature......Here's my list

  1. Discover More
  2. US Banks
  3. City Banks
  4. Amex
  5. GE

So what do you guys think ?? The best 2 cards there.......Im planning on the long run and maybe going to closed my newest credit one card till its hit 1 years anns......And maybe Orchard Bank next year.....So if i add 2 more ccards right now and stick with it then its not going to hurt my AAOA that much........I need some advice......thanks guys.....My AAoa about 3.2 years and i had 8 TL......


If you can try to get an Amex right now for back dating purposes since they're the only ones to do it. Also Chase Freedom beats out Discover more cause you need to spend over $3000 a year to start getting 5% I believe. Personally my lists would go

 

1. Amex

2. GE cards cause they offer GENEROUS CLI's and a Walmart card would give you access to a TU08 Fico score.

3. US Bank Cash+ if you can get it , or a Chase Freedom card

4. Citi Forward for restaurants at 5%

5. Discover more


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: App spree

The reason I list those card not because its the one I want the most but the one I know i had imore change they would approved me ........I love Amex but I hate the way they do with their annual fees and plus I don't need a charge card.....I rather wait another 1 or 2 years then apps for their prime cards.........I'm only ant about two cards right now and choose the one that really grow with 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

Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
0

Re: App spree

[ Edited ]

Why dont you apply for the Discover IT card

 

https://www.discover.com/credit-cards/index-beyond.html?gcmpgn=0712_ZZ_srch_gsap_txt&srchQ=discoveri...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: App spree

Since Discover It new....I really don't wanna take my risk.....did you approved for it ?What's your credit score ???


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


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+