04-23-2012 03:38 PM
Approved 7k cl. 22.9%
EX was pulled and showed 712, which is quite a bit lower than my EQ from here.
2 accounts with serious derogs from 5 years ago, nothing recent. This was the second mention of my student loan balance being too high, so I will pif.
Oh, highest CL was $700 Walmart and an AU on a $3600 cap1
But, I got an error when clicking continue and couldnt get into the account
Awesome starting CL!!!
04-23-2012 06:40 PM - edited 04-23-2012 06:40 PM
I was going to app for this card either way because I dine out a fairly often. Anywhere from 500-1500 per month on dining will make this card well worth having for my situation.
I was planning on waiting to app, but I was bored so I went for it a little early.
LOL...I've done the same, many times.
In my view, there are far worse things in life than opening up a new tradline. I'm from the school of thought where you get your credit before you need it, since by the time when you really need it, no one will give it to you.
04-23-2012 07:20 PM
Thanks, thats really the same approach I am taking. I dont plan on taking on a mortgage for another 3-4 years, but I want to make sure I have all inq off by that time for the best rates. I do not forsee any real need for credit at all. Ive been paying cash and am self-emplyed, so I am trying to go the safe route and earn rewards in the process.
This has become my new hobby and Im trying to have some fun with it!
05-23-2012 10:56 AM
I realize I'm late to the party on this one, but can you say if you were approved? Thanks much.
He was approved. 7K. :-)
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.