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Senior Contributor
Posts: 4,195
Registered: ‎07-26-2008
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Re: Last CC Apps for DS

the UTL seems high for approvals IMHO. I think she should try to lower it first before any apps.


Current cards: CSP - Freedom - Discover It - Amex BCP - BoA BBR - Capital One QS and QS1 - Citi TY

Valued Contributor
Posts: 7,075
Registered: ‎10-21-2012
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Re: Last CC Apps for DS


Irisa wrote:

the UTL seems high for approvals IMHO. I think she should try to lower it first before any apps.


+1

 

Usually that can be an instant app killer from the get-go.

Regular Contributor
Posts: 193
Registered: ‎05-23-2007
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Re: Last CC Apps for DS


BearsAndTurtlesRtheBest wrote:

Alright so my DS wants to to get her last CCs before gardening for a very near Mortgage loan! And thinking about it she doesnt plan to get any other cards because the ones she wants are practically the only ones that she needs. So I will post the cards she wants and would like to know which CB they pull then by tommorrow I will provide the details of all 3 CBs. Lets get started!

Cards she wants to get and reason are:

Bank of America Accelerated Rewards AMEX Reason: She was surprised by the look of the card whe she first spotted it + the rewards are ok considering the reason why she wants it. :smileyhappy: EDIT BofA pulls EX and TU

Chase Freedom VISA Reason: 5% cash back on rotating categories

AMEX BCP Reason: 6% on groceries We eat alot and never come out from the grocery store. 

AMEX Green (If BCP isnt possible at least she would like get her foot in the door with AMEX)

 

And thats about it. I will post her details by tomorrow. The last card she wants is Hyatt VISA SIgnature which would happen after the mortgage process. We stay their every year. SO seems like it would be a nice card to have.


What about this part?  Does anyone know which CR are used for the cards she wants?



No apps until 8/2014
March 2013 Starting FICO Score: EQ: 584 TU: 564 EX: ??
August 2013 Current FICO Scores: EQ:664 EX:684 Walmart TU: 666
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: Last CC Apps for DS

The Amexs are experian, but they can pull all 3 if applicant is borderline...I believe the chase is also ex/eq. Gl! :smileywink:


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: Last CC Apps for DS

The Hyatt looks like its from chase? So that would be ex/eq :smileyhappy:


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Senior Contributor
Posts: 3,841
Registered: ‎10-02-2012
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Re: Last CC Apps for DS

[ Edited ]

Thanks for everyones responses but looks like she is going to post-pone her app spree until further notice :smileywink:

I wanted to ask if I could represent my sisters stay at the Garden Inn by posting on my siggy her current spade? Thanks everyone we shall take your advice!

$1,200$1,000$500
Banking with Wells Fargo. No Delinquencies of any sort. Gardening Since 02-01-15.
EX FICO: ---, EQ FICO: ---, TU FICO: --- EX Inquiries:50, EQ Inquiries:34, TU Inquiries: --
Senior Contributor
Posts: 3,841
Registered: ‎10-02-2012
0

Re: Last CC Apps for DS

I will use this same thread to tell everyone her progress within the next 6 months.

$1,200$1,000$500
Banking with Wells Fargo. No Delinquencies of any sort. Gardening Since 02-01-15.
EX FICO: ---, EQ FICO: ---, TU FICO: --- EX Inquiries:50, EQ Inquiries:34, TU Inquiries: --
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