Credit Cards

[jennylocha]

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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

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Good lord! How many Cap One cards do you have? I thought there was a limit with their cards!

[joshy]

@JENNYLOCHA  all of the cap one where HSBC, KOHLS, BESTBUY AND SOME OTHER COMPANY SO THEY SHOW UP AS CAPONE ON CREDIT REPORT

[YoungMoney06]

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?