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OK, so I KNOW that I'm supposed to continue to reduce util and NOT app for bigger and better cards.
That being said, I've got the itch and it's getting worse.
Now both Experian and TU are in the high 600's...I'm not ignoring EQ, I just can't see it.
NO inq's (in the last 12 months..) on EX or EQ as of 01 August... 1 on TU.
Utilization is still too high... (48.86 overall) Three cards still maxed out, will be down to one as soon as Capital One updates...then down to zero near the end of August.
My credit union just gave me a ridiculous credit limit increase and, of course, that has me wondering if it's time to apply for bigger and better cards...
Your thoughts?
(Either talk me down, or point me in the right direction, please!)
@tcbofade wrote:OK, so I KNOW that I'm supposed to continue to reduce util and NOT app for bigger and better cards.
That being said, I've got the itch and it's getting worse.
Now both Experian and TU are in the high 600's...I'm not ignoring EQ, I just can't see it.
NO inq's (in the last 12 months..) on EX or EQ as of 01 August... 1 on TU.
Utilization is still too high... (48.86 overall) Three cards still maxed out, will be down to one as soon as Capital One updates...then down to zero near the end of August.
My credit union just gave me a ridiculous credit limit increase and, of course, that has me wondering if it's time to apply for bigger and better cards...
Your thoughts?
(Either talk me down, or point me in the right direction, please!)
Didn't you just get back in the garden?
Lexie has been notified Lol
@myjourney wrote:
@tcbofade wrote:OK, so I KNOW that I'm supposed to continue to reduce util and NOT app for bigger and better cards.
That being said, I've got the itch and it's getting worse.
Now both Experian and TU are in the high 600's...I'm not ignoring EQ, I just can't see it.
NO inq's (in the last 12 months..) on EX or EQ as of 01 August... 1 on TU.
Utilization is still too high... (48.86 overall) Three cards still maxed out, will be down to one as soon as Capital One updates...then down to zero near the end of August.
My credit union just gave me a ridiculous credit limit increase and, of course, that has me wondering if it's time to apply for bigger and better cards...
Your thoughts?
(Either talk me down, or point me in the right direction, please!)
Didn't you just get back in the garden?
Lexie has been notified Lol
Who, me?
You must have me confused with some one else...
Lol last I heard taking the new card for a spin
@myjourney wrote:Lol last I heard taking the new card for a spin
No, no...you misunderstood...I'm doing my best to leave the new credit limit ALONE!!!
It's the new credit SCORE that I want to take for a spin.
@tcbofade wrote:
@myjourney wrote:Lol last I heard taking the new card for a spin
No, no...you misunderstood...I'm doing my best to leave the new credit limit ALONE!!!
It's the new credit SCORE that I want to take for a spin.
Lol good one
Just wait till Lexie gets here
I would say start with this...
Then, start the application right away...
I may be in the minority here, but I'd say give yourself just one or two applications before the auto refi reports. 12 months from now having the inquiries clustered will be easier for you. Spread them out to 1 EX and 1 EQ, if you can.
However. Do not, at all, be hasty or seek any kind of sign-up bonus that will be counterproductive. Before applying for anything think long and hard about your strategy from here out. If the apps are successful or not, and you're going to sit on your hands for X months either way, what would best serve you as a strategy for that period. If you're trying to pay off cards entirely, look for low APR balance transfer cards that will fit nicely into your strategy or a new signature loan to consolidate away high interest debt. Be selective, and don't depend on the approval. Make it the first, careful step into the new ~12 month plan. Then garden like there's no tomorrow, and stick to your plan.
edit: or do the third option... HP CLI spree. All the satisfaction of approvals... if approved, and none of the new TL pain.