Hoping for Approval

[DaniBananiie]

Credit0011: In my honest opinion, you need to lower your overall UTL before you apply for any cards.

[credit0011]

How low should i get it down?

[DaniBananiie]

10%

[credit0011]

thanks i will get it down once i do that which cards should i go for?

[DaniBananiie]

I would suggest you take my advice I posted earlier. I have a feeling you'll be declined for the Best Buy & Macy's.

[credit0011]

Has anyone applied for these cards with a credit situation similar to mine?

[09Lexie]

---

@credit0011 wrote:

Has anyone applied for these cards with a credit situation similar to mine?

---

What exactly is your credit situation?  You mentioned baddies, what kind, lates, COs, CAs? How many inq's in the past 6/12 mos? How long gave you had your current cc's?

One thing to understand is that no two profiles will guarantee the same outcome.  A member can say they were approved for a Macys with a 600 score and another with a 675 could be denied. 

[FinStar]

---

@09Lexie wrote:

---

@credit0011 wrote:

Has anyone applied for these cards with a credit situation similar to mine?

---

What exactly is your credit situation?  You mentioned baddies, what kind, lates, COs, CAs? How many inq's in the past 6/12 mos? How long gave you had your current cc's?

One thing to understand is that no two profiles will guarantee the same outcome.  A member can say they were approved for a Macys with a 600 score and another with a 675 could be denied. 

---

I think the OP had another thread floating around with a similar request for insight:

http://ficoforums.myfico.com/t5/Credit-Cards/Walmart-2014/td-p/2699165

[09Lexie]

OP,

I have merged three threads into one because they were similar. 

Please allow members to reply to your posts to avoid duplicative responses .

thank you,

~Lexie, myFICO Moderator

[credit0011]

4 account CO'S, In the pas 6-12 months no inquiries, 1 credit card for 6 years the other two for 4 years