Credit Cards

[Crashem]

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Kr33ker wrote:

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Crashem wrote:

Discover gods smiled on you.  Enjoy and remember to pif.

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Always do

But isn't that limit crazy considering my highest limit was $500...

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yes.  You shouldn't app for any cards right now.  If you are going to app, at least wait for discover to report for a few months so new card issuers can take note.  That new limit just put you into big leagues.

[Kr33ker]

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Crashem wrote:

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Kr33ker wrote:

---

Crashem wrote:

Discover gods smiled on you.  Enjoy and remember to pif.

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Always do

But isn't that limit crazy considering my highest limit was $500...

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yes.  You shouldn't app for any cards right now.  If you are going to app, at least wait for discover to report for a few months so new card issuers can take note.  That new limit just put you into big leagues.

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Big leagues you say?

Well in that case, I'm applying for the Palladium in 3 months!!!! LOL JK going to have to get out of engineering and into IB if I ever want that to happen...

Probably apply for Freedom, and maybe BCE, in a few months. I don't know what I would even do with these cards though....

**EDIT** Should I try to PC the More to IT? Or hold my horses for a few months? Honestly I don't see what's different, other than the card looks cooler.

[Crashem]

Sure pc to it right away.  It's a little better.  One thing though, you are showing high eq fico.  Think your ex is similar?  It should be or is there some kind of negative on ex?

[Kr33ker]

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Crashem wrote:

Sure pc to it right away.  It's a little better.  One thing though, you are showing high eq fico.  Think your ex is similar?  It should be or is there some kind of negative on ex?

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The EQ score in my sig is old, and my current EQ should be a little lower I think because of the new cards I got.

3 months ago when I was denied for BCE, my EX score according to them was something like 690. This was because a card that I was removed as AU (the card had 108%) from 3 months before that was still reporting on my EX. I never ran an actually EX fico since then, but I do know I have at least  7 hard inqs on it. There are no other negatives.

I don't know if I should PC right away. I don't want a real person to look at it, and try to lower my CL.

[Kr33ker]

Just got my approval letter from Discover in the mail. Even though I was approved, they included my EQ which is 761.

I also PC'd the More to IT, and it will take affect after this bill cycle!

[Iamvee]

That's great , 11k  CL is a major step up from 500

[Crashem]

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Kr33ker wrote:

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Crashem wrote:

Sure pc to it right away.  It's a little better.  One thing though, you are showing high eq fico.  Think your ex is similar?  It should be or is there some kind of negative on ex?

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The EQ score in my sig is old, and my current EQ should be a little lower I think because of the new cards I got.

3 months ago when I was denied for BCE, my EX score according to them was something like 690. This was because a card that I was removed as AU (the card had 108%) from 3 months before that was still reporting on my EX. I never ran an actually EX fico since then, but I do know I have at least  7 hard inqs on it. There are no other negatives.

I don't know if I should PC right away. I don't want a real person to look at it, and try to lower my CL.

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Haahaa.  I remember when you were asking for advice on what to do about it.  Well in any case, I would use that card for a 2-4 months and think about getting a couple of other cards who hopefully with give you CLs in that range.

[android01]

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Kr33ker wrote:

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Crashem wrote:

Sure pc to it right away.  It's a little better.  One thing though, you are showing high eq fico.  Think your ex is similar?  It should be or is there some kind of negative on ex?

---

The EQ score in my sig is old, and my current EQ should be a little lower I think because of the new cards I got.

3 months ago when I was denied for BCE, my EX score according to them was something like 690. This was because a card that I was removed as AU (the card had 108%) from 3 months before that was still reporting on my EX. I never ran an actually EX fico since then, but I do know I have at least  7 hard inqs on it. There are no other negatives.

I don't know if I should PC right away. I don't want a real person to look at it, and try to lower my CL.

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Looking at your sig line, I was curious how you went from a score of 699 (4/11/12) to 780 (4/18/12) in the space of one WEEK.  Congrats on the Discover by the way, They'll treat you well if you use them. 

[migliogiorni]

congrats

[CK_Charles_Lover]

Congrats! Discover sends me 3 pre-approvals a week. Everybody's understanding is that they do low CL's. Now I'm thinking!!! No...... I better not.