I dont know if I can apply for an AMEX or a PenFEd

[zerobacan]

Hi My FICO is 650 pulled today

my wallmart TU is 663, but Karma says 573.

I have too many recent inquires 8+ or maybe more, 0 collections and 1 baddie in the las 12 months

I recently got approved for a capital one platinium for $500 

Should I wait? how long?

[Tran92]

You should take care of the baddie and wait at least a year. Also stop applying.

[chnceit]

PenFed pulls EQ and AMEX usually pulls EX, but if you are borderline they will pull sometimes all three.

I would garden, let your new accounts and baddies age. 

[jsucool76]

Definitely garden those cards. Let those inquiries start to fall off. Penfed is supposed to be very strict.

[Repo-ed]

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@zerobacan wrote:

Hi My FICO is 650 pulled today

my wallmart TU is 663, but Karma says 573.

I have too many recent inquires 8+ or maybe more, 0 collections and 1 baddie in the las 12 months

I recently got approved for a capital one platinium for $500 

Should I wait? how long?

---

Which is it?

8+ or more?

Stop applying or they will see some impulse control issues.

[zerobacan]

Thanks guys for the info!

[nicholasyud]

Put a freeze on all 3 CB.

No more apps .

Wait til your score hit somewhere around 680+

One last thing take carre your baddie and stop fill out new applicationnnnnnnnnnn.

[rudy0720]

Penfed is strict and you will probably need a 720 with them

[zerobacan]

My plan is to apply to a couple cc and then garden for a year, I applied o amex and got denied, I will use the backdoor number for it and give it a last try.

when I said baddie i meant a late in one of my cc, not a collection oops

Thanks for the info guys!!!

[swpopham]

your not listening to anyone at all. its going to be a first premier card for you. Thats about it at this point. YOu need to settle down for 6-12 months.