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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Credit card apps ?

How long usually you gues app for another credit card ?? and how many each time ? i currently have 3 credit card but no rewards or anything like that....i want something like Discover or Amex.....my recent 3 months old ?


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Contributor
firesoul453
Posts: 147
Registered: ‎08-24-2012

Re: Credit card apps ?

Just do it lol. A HP is a HP. Do you have a lot of recent ones? If thats the only thing bad about your report, then just don't apply for a Barleycard lol.

My ultimate credit wish,
a JP Morgan Palladium card
Moderator
Shogun
Posts: 12,898
Registered: ‎04-15-2011

Re: Credit card apps ?

When you app it's generally a good idea to do it in a spree.   Go for the ones you want and let them age together.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Credit card apps ?

my two credit card would be 1 years anniver this october and the recent one is 3 months old...i have student load in 2008 and never late on anything ever since....do have 2 charge off $0 balance and 1 collection from charge off with $1400 balance.......current score 664 in both trans and equifax ? what cards should i go for guys ?


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Contributor
firesoul453
Posts: 147
Registered: ‎08-24-2012

Re: Credit card apps ?


nicholasyud wrote:

my two credit card would be 1 years anniver this october and the recent one is 3 months old...i have student load in 2008 and never late on anything ever since....do have 2 charge off $0 balance and 1 collection from charge off with $1400 balance.......current score 664 in both trans and equifax ? what cards should i go for guys ?


Whats your goal? I personaly go for the max cash back and got a discover card and a chase freedom (rotating cateogires of %5 cash back), and use my cap1 with unlimted 1.25% cash back.

 

Don't nessarliy go for the best cards (your ultimate goal) but get somethign better.

My ultimate credit wish,
a JP Morgan Palladium card
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Credit card apps ?

I'd give Discover a try, your scores are borderline for them.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Credit card apps ?


LS2982 wrote:

I'd give Discover a try, your scores are borderline for them.


i probably get hit with around 1000 limit right ? my three credit card is 500 400 and 400

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Credit card apps ?


nicholasyud wrote:

LS2982 wrote:

I'd give Discover a try, your scores are borderline for them.


i probably get hit with around 1000 limit right ? my three credit card is 500 400 and 400

 


Possibly. They might even do $500. (hopefully not) :smileyhappy:

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Credit card apps ?


LS2982 wrote:

 


Possibly. They might even do $500. (hopefully not) :smileyhappy:

 


if that the case....then forget it lol......i need some high credit to start with and stuff ? what do you guys think ? i dont need low limit credit in my pocket......telling you im gettting tired of it...and its my goal ;-)


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Credit card apps ?


nicholasyud wrote:

LS2982 wrote:

 


Possibly. They might even do $500. (hopefully not) :smileyhappy:

 


if that the case....then forget it lol......i need some high credit to start with and stuff ? what do you guys think ? i dont need low limit credit in my pocket......telling you im gettting tired of it...and its my goal ;-)


I would give it 6 months, get your score up a little more and you should get a nice CL from them.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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