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Hi. I have been reading about a few members wanting to apply for at least one or two cards, but I am still undecided, because my scores are not that high, but since I have managed to get it increased to 680 (myFICO EQ) 692 EXP and 763 TU (Can't explain the huge difference because Walmart TU is 650).
Anyway, I have not applied for any credit since January'13, and would like to get my last two cards at least for this year (I know, I know, it's really hard to stop from App itching, specially after seeing my scores go UP).
My current UTIL is 9%, More details below:
I think you can get both cards you mentioned.....
Both that you are looking at should be doable. Discover would be another option.
@yomellamoFICO2013 wrote:Hi. I have been reading about a few members wanting to apply for at least one or two cards, but I am still undecided, because my scores are not that high, but since I have managed to get it increased to 680 (myFICO EQ) 692 EXP and 763 TU (Can't explain the huge difference because Walmart TU is 650).
Anyway, I have not applied for any credit since January'13, and would like to get my last two cards at least for this year (I know, I know, it's really hard to stop from App itching, specially after seeing my scores go UP).
My current UTIL is 9%, More details below:
AAOA 6.5 , Oldest Account 11 YearsI have been thinking about two cards:AMEX Delta Gold and possibly joining DCU and Applyinging for CC (due to their great reputation, since I am not eligible to join NFCU)My plan is to wait until the end of May, when my UTIL will be at least 5% and HOPEFULLY my scores will reach the low 700's or so (considering I am not chargning anything on my cards, except for my monthly Credit monitoring fees), and paying at least 4x the minimum balance on my cards. Current debt is $ 785.00.I have a bad charge-off (Paid) on Chase from 6+ years ago and a REPO from 2007(which would be falling off my CRA's until 2014) besides that there are no other marks.Considering YMMV, what would be the cards I am likely to be approved for ?I currently have 2 GECRB ( Walmart and Amazon) in good standing/payment. A secured WF CC, and a Capital One $800 limit, which is under review for a CLI (which I was told would be a Soft pull).I appreciate your time and feedback.
That repo might hurt your chances with amex IMO but DCU may give you a shot....Good luck should you apply
I like the Discover suggestion before AMEX!
Thank you ! I am very hopeful about this... should I try applying on the same day ?
@dodfire wrote:I like the Discover suggestion before AMEX!
I agree! Good luck OP!!!
UPDATE:!!!
After working diligently on app itch, I eventually gave up ! LOL
I ended up applying for a membership with DCU , which I was accepted at the end of April. WOW !! They pulled EQ by the way.
Over this past weeked, I pulled the trigger on their VISA Credit card, which I had to send income verification (pay stubs), I got a call just this morning from DCU to confirm they were approving me for $3K ( I asked for $7.5K, a little hopeful due to my income).
After being rebuilding since January'13, My highest CL for now.
PENDING APPS: Amex Delta and Discover IT , which I applied over the weekend as well. ( I know, I could not resist!!)
Will update on the results once I get them !
Thank you myfico members for constantly supporting this community.