Starting Score: EQ FICO 777
MrShush wrote:
Oops wait, that was drkaje....my bad afbar.
dont worry. doesnt bother me. but yea he should stop apping i have come to realize when to spot it and what happens if you do. i am stuck at toy limits for now but i plan to garden what i have and get some nice CLs. i dont need more credit right not but yea its nice to have. but you have plenty. a creditor may say you have enough and may not give it to you. i would like to have a bit higher CL just to get the visa siggy benefits. but with amex its great because of NPSL
MissImMe wrote:
Oh dare. Having separation anxiety already. I won't miss the annual fees, but I will frame it as a reminder of where I've come from. I'll lose $375 off my utilization. No big deal there. Still breathing heavy. Sweating. 3 years is a long term relationship. Lol
i had four years of history and $350 of UTL but it got replaced by more CL and higher CL's. BoA and chase liked that i had a NPSL card because it shows you have good credit. AMEX is hard to get.
Congrats on all the hard work getting your credit back in shape! Don't be one of those people with low credit self-esteem, applying for everything, just to get the feeling of finally being approved. 
Aside from the impact of inquiries, you have to manage the accounts. Some people love that but it's contrary to my need for simplicity. I'd love to close a few cards but can't mess up utilization.
Starting Score: 675
MissImMe wrote:
Just to have it. Sad to say, but it's triumphant to have it knowing that I screwed up so bad in the past that I couldn't have it before. I honestly have no use for it. I did want to have a non-Amex for those times I'm told it's not accepted.
Only app for credit when you need it! You can't lose doing this!
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