03-09-2011 06:52 PM
On Sunday I applies for a Citi Dividend Platinum Select MasterCard and was advised today I was approved with a $4,300 credit limit. This is technically my highest limit as far as CRA's are aware of. This joins my
Discover Card - Opened 5/08 - Credit Limit 3,000
CU Visa - Opened 6/10 - Credit Limit 3,000 (Reports to only Experian)
BoA Visa Signature - Opened 10/10 - Limit 10,000 (High Balance of 4.000 - No Pre-Set Limit Card)
Premier Rewards AmEx - Opened 10/10 - No Pre-Set Limit
I wanted to apply for a MasterCard a few months back but had quite a few inquiries from October 2010 to try to build a foundation of credit so I decided to wait. I was also looking for a non World MC as I wanted a hard credit limit to report. I am glad I now have a card for each payment network. Since I run most of my charges through my AmEx, there is no need for another card so I can sit back and garden and let these accounts age with me so I am definitely psyched about that. Let the inquiries start to drop.
For anyone who is curious:
FICO: TU 717
FICO: EQ 731
FAKO: EX 728
I checked CreditKarma after I applied as I was curious which report was pulled and CreditKarma (which uses TU) still only had 1 inquiry from 10/10 so they either pulled from EQ or EX.
EX had no inquiries
EQ had 6 from 08/10 - 10/10 (nothing since & three that were older than a year)
Oldest Account is 2006
AAoA is 1 Year
03-09-2011 10:37 PM
Congrats on the approval, thats a nice list of cards, top notch.. none of that hsbc or cap1 nonsense i have! lol
03-10-2011 05:57 AM
Congrats! You have a really nice portfolio. Now that you're ready to sit back and let them age, welcome to the Garden Club!
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