05-28-2013 04:36 PM
In all truth its time to stop applying and garden for 6 -12 months
See what your needs are at that point and go from there
IMHO your reaching for cards higher than your credit file can support with a thin file
Go slow and build credit over the course of a year not 3-4 months it just doesn't work that way.
I mean no harm just thought you should hear it so you don't waste any more HP's that you have to live with for 2 years
05-28-2013 04:53 PM
Because of lack of history on my credit report (got BOA on 2013 Jan), I got rejected
Even I asked for them to reconsider
They told me that they want to see more credit history.. They were only be able to see BOA secured card even though I've been using Discover it for around 2 month
Now.. Option would be
1) Call them again and ask for them to recon
2) wait tlil December to build up some credit history
3) maybe apply for another credit card?
05-28-2013 05:22 PM
Yeahhh I will build some credit up till then and I will let you guys know if I get pre-approved offer or any questions..
gotta take these babies for sho lol
05-28-2013 06:24 PM - edited 05-28-2013 06:58 PM
05-28-2013 07:37 PM
Right, I was aware of it and I received pre-approved offer from Discover only like 2~3 month after getting BOA secured card.
I will keep that in mind and just limit cards till then, thanks for the remind!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.