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@joshy wrote:my creditkarma score is 638 AND all i do is apply to see if i get the 5 to 7 days massege and call backdoor # and talk to them with GE if you get a ref # just call the credit underwriter and talk to them
CREDIT CARD SUMMARY Updated Jan 08, 2013
Expand Total Credit Card Balances $7,460
Expand Credit Card Limits $35,625
AMEX $15,000
CAP ONE $2,500
DISCOVER FIN $1,200
CAP ONE $2,000
CHASE $1,000
CHASE $500
TARGET $700
GECRB/WALMAR $1,500
KOHLS/CAPONE $300
GECRB/HDFURN $1,000
GECRB/OLDNAV $1,500
CHLD/CBNA $325
BRCLYSBANKDE $500
GECRB/AMAZON $700
CAP ONE $500
JENAPO LBRTY $1,000
CAP ONE $300
CAP ONE $750
CB/EXPRESS $1,150
GECRB/CHEVRO $500
GECRB/SMRTCN $300
GECRB/TYDC $1,400
JENAPO LBRTY $1,000
Search for new credit card options Expand Credit Card Utilization Rate 21%
new credit as of 01/06/2013 GAP VISA $1200 CHEVROM VISA $1800 DISCOVER IT $ 1700 AMEX DELTA SKYMILES $5000.
AUTO LOAN SUMMARY
Updated Jan 08, 2013
Total Auto Loan Balances $25,829
Auto Lease - KIA MTR FIN $16,110
Auto Lease - AMER HONDA $9,719
Total Personal & Other Loan Balances
Personal Loan - ONEMAIN FI $5,193
Open Credit Utilization 22%
On-Time Payments 100%
Credit Inquiries 28
Good lord! How many Cap One cards do you have? I thought there was a limit with their cards!
@JENNYLOCHA all of the cap one where HSBC, KOHLS, BESTBUY AND SOME OTHER COMPANY SO THEY SHOW UP AS CAPONE ON CREDIT REPORT
My main reason for applying is for utilization purposes. Having only $1.2k as a credit limit is hard to maintain a balance with. Even then, ageing one account would be defating the purpose of having 2-3, right?
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