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Established Member
Posts: 23
Registered: ‎06-20-2009
0

Can anyone suggest me which card I can be approved for sure?

Please consider the following information about my credit:

 

1. Credit history (based on the oldest account age)- 10 months old

2. total accounts 7:

 

    Installment Loans:

    Auto Loan - Principal:$12000 -Balanace : $9800 - Age: 10 months

    Secured PL - Principal:$5000 -Balance: $4650 - Age: 4 months

 

    Credit Cards:

    First Premier Bank - CL: $250 - Age: 5 months - Balance: $7 (as of today $0)

    CapOne - CL: $750 - Age: 5 months - Balanc: $1(as of today $0)

    Macy (Charge card) - CL: $200 -  Age: 4 month- Balance:$24 (as of today $24)

    DCU (secured) - CL:$500- Age Age:4 months - Balance:$0( as of today $0)

    CEFCU - CL:$1000 - Age: 1 day - Balance:$53 ( charged today only, and planning to pay in a couple of days)

3.  Inquiries:

 

     TU : 14 (this includes 1 inquiry for my rented apt) (from FICO credit monitoring)

     EQ: 8 ( this includes 2 inquiry from AT&T Wireless Service) (from TrueCredit)

     EX:  6 ( this includes 1 inquiry from AT&T Wireless Service) (from TrueCredit)

 

I really want to improve my scrore as soon as possible to cross 750 mark. I do not want to apply until i am sure of approval (as already applied blindly in the past).

I request all the Gurus to help me achieving my target and suggest me what course of action i should follow. I think if i do not apply and increase my credit limits i will never be able to reach my target score. I would really appreciate you expert's suggestions and guidance.

 

Thanks.

 

09/25/2009 TU: 678

09/23/2009 EQ:683

09/23/2009 EX:714 (from TrueCredit )

 

 

   

Regular Contributor
Posts: 124
Registered: ‎08-06-2009
0

Re: Can anyone suggest me which card I can be approved for sure?

I'd say probably just keep what you have. Your average account age could use some aging. Seems your doing a great job at keeping utilization down on your revolving balances, and installment loans add a good mix. 

Current Cards:
American Express Blue Cash Preferred - March 2007 - CL $10,000
Citi Forward Visa Signature - September 2009 - CL $6,500
Chase Freedom - March 2011 - CL $15,000
Chase Sapphire Preferred - May 2013 - CL $12,500
Discover It - November 2013 - $5,000
Barclay Arrival - January 2014 - $10,000
Established Member
Posts: 23
Registered: ‎06-20-2009
0

Re: Can anyone suggest me which card I can be approved for sure?

Thanks alph4! But Do you think my overall CL ( around $2700) will not be an obstacle?
Established Contributor
Posts: 530
Registered: ‎07-28-2008
0

Re: Can anyone suggest me which card I can be approved for sure?

Considering the currect credit conditions, this is impossible to predict. It looks like you have too many accounts that aren't yet established. I would allow these accounts to age further before applying.

 

However, keep doing what you're doing and that will give you the best chance for approval.

Equifax Fico 785 as of 01/18/2012
Established Member
Posts: 23
Registered: ‎06-20-2009
0

Re: Can anyone suggest me which card I can be approved for sure?

Thanks Uncle_Money! How much time would you suggest i should wait for before my next application.

I really want to have a credit card from prime lender with a $10k CL.

Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Can anyone suggest me which card I can be approved for sure?

You have enough for a while.
Established Member
Posts: 23
Registered: ‎06-20-2009
0

Re: Can anyone suggest me which card I can be approved for sure?

But if i want to apply, can any one suggest (based on my credit profile mentioned above) where i can get 100% approval?
Established Contributor
Posts: 742
Registered: ‎12-19-2008
0

Re: Can anyone suggest me which card I can be approved for sure?


alex65 wrote:
But if i want to apply, can any one suggest (based on my credit profile mentioned above) where i can get 100% approval?

 

I doubt any member can guarantee, what you ask , an approval of an unsecured CC. IMHO
Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Can anyone suggest me which card I can be approved for sure?


alex65 wrote:
But if i want to apply, can any one suggest (based on my credit profile mentioned above) where i can get 100% approval?

You have little to no chance of getting a prime card with all your new accounts. That's the reality of it. Sorry.

Established Member
Posts: 23
Registered: ‎06-20-2009
0

Re: Can anyone suggest me which card I can be approved for sure?

I have poured almost every relavent bits of information i could have about my credit profile, and i just thought may be someone at the forum could suggest me a card i could get without a denial. 

 

I have glued myself for more than 2 hours on this forum just waiting for some home. And i sincerely thought some one could analyse my case and could help me.

 

Now, i guess, i cant be approved for a card at this point with 100% assurance.

 

Still, if anyone could suggest me anything, i would be grateful.

 

Thanks!

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