I want more spending power, but have too many INQs

[Coldness]

snip

[TheCreditKid]

Let the inquiries drop and the account age.

[ArisGreek]

+1 with Credit Kid...

The only other option you have is see if you can do a secured create card where you give them $1,000 and that is your credit line and when you graduate the card or decide to get rid of it, you'd get your $1,000 back. Otherwise, you're pretty much out of luck with all the apps, You need to let them fall off and deal...I hate to say it but that's a lot of inquiries ;(

[Anonymous]

More spending power? Pick up some cans, promotion, another part time job or new job (easier said then done), sell, etc. Anyway to get some dead presidents in your wallet gives your more spending power!

Or

You can just wait?

[jefftca925]

If you have a short history and a lot of inquiries the best remedy would be to let what you have age and become more established.  Hold off on applying for ANYTHING for at least 6 months but preferably a year or more to let those inq have less impact on your credit file.  Your credit score at this point is not really a good indicator of what your credit profile has in it and that will give a false sense of security.  WAIT!! and let what you have get some history and go from there.  You'll find by being patient you will reap the benefits down the road.

[UFGuy2006]

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@jefftca925 wrote:

If you have a short history and a lot of inquiries the best remedy would be to let what you have age and become more established.  Hold off on applying for ANYTHING for at least 6 months but preferably a year or more to let those inq have less impact on your credit file.  Your credit score at this point is not really a good indicator of what your credit profile has in it and that will give a false sense of security.  WAIT!! and let what you have get some history and go from there.  You'll find by being patient you will reap the benefits down the road.

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++1

[jobber123rd]

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@Coldness wrote:

--A credit union VISA with a (don't drop your jaw too much) locked/fixed APR of 7% and pretty decent rewards program (1 point per dollar, if I just use it on gift cards it's just barely under 1% cash back). $500 limit, and I'm almost afraid to request an increase because they might see all of my inquiries. This card probably actually hurts my score a lot, I use it for my daily spending to rack up points rather then using my debit card and pay it off when the statement rolls around. Unfortunately, that often results in 90%+ utilization, despite never actually carrying a balance on it and never paying a penny of interest. 

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Could you try to PIF before the statement cuts?  If your CU reports the balance just once a month based on the statement amount, you can get it to report 0% util by paying the whole balance off before the statement cuts, even if you've run $500 (or whatever) through it over the course of the month.   It's a cheap but effective scoring tactic.  As stated previously, you'll have to let your accounts and inquiries age, but when you're about ready to apply again, keep this in mind. You won't necessarily have to change your spending habits with that card to help your util -- just pay it back a little earlier.