05-16-2013 10:04 PM
So I apped for PP MC after I got my cli and apr reduction and visa signature status on my nfcu cash card, got approved for 1500.
I want to app for 2 more before I stop for a while, need some advice:
Home Depot or Lowes (Lowes is GE and I already have a few cards with them but Citi sent me a pre-approval a month ago after I was added as an AU on my mom's acct)
CareCredit (for any medical or vet emergencies)-how often do I have to use to keep this active?
Any advice on applying for the above before the new accts hit my report?
I know I have no hope for the AMEX BCE but do I have hope to try to start with a charge card?
Util have gone up to 40% due to mid-cycle reporting of my GE acct after changing my addy
Lowe;s because GE gives good CLI's but at 40% UTL I would not advise any app's .....Time to garden
05-17-2013 04:49 PM
Closing in 2 weeks, the wife and I (640-650 range) trying to figure out what 1-2 app steps we should take. Welcome any advice
UTIL is low (my cards are about $10 at the moment and she has a $100 balance) but we have some baddies, she has one recent that popped up, mine are mostly from a couple years back. Inqueries with the 2 hard pulls + each of us have purchased vehicles in the recent past (Nov/Jan) out of necessity but overall DTI is low.
Lowes vs Home Depot to get some ancillary items (i.e. lawn mower)
Debating on a store card, furntiure stores (Scandinavian, Furniture Row) all seem to be Wells Fargo.
Also plan on calling Capital One - have had the Plat MC for 2+ years but didn't seem to be part of Credit steps so dont know if I've ever had a CLI (at $300) my others are subprime as well (1st Premier & Credit One) that hopefully I'll get to close by end of the year
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