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Mini app spree

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cutemarty1
Regular Contributor

Re: Mini app spree


@Amnesia87 wrote:

 


@cutemarty1 wrote:
My scores are 700 ex. 690 eq. 690 tu. Inquiries are 23. Just did a new lease forma new car. So after having my credit dinged for the car several times, I decided to do a mini app spree as well. Also just approved for discover 2 months ago, citi 750CLI. Also have a time Warner paid off collection on my account just 2 months ago.

us bank ... Denied. Boa CLI... denied. Boa rewards Visa.. Denied. Cal com CU - 2500 approved.

I have the following..... Amex gold. Home depot 5000. Citibank Platinum 4950. chase freedom 4000. discover more 1700. Bank of America 1500. Best buy store 1425.
Best buy mc 1300. Express men credit 1000. Macy's unknown limit. Ge money bank 1500. American eagle 125

I also made myself an authorize user for an Amex blue with my gf. Will this help in approving me for my own Amex blue later on? ,u current utilization is 12%.

To be honest, I'm kinda suprised you got approved for anything, several new accounts, tons of inquiries, and a recent collection, not the best plan when looking for more credit. You need to take a break and cool down for a bit or you are going to start getting hit was CLD.

 

How many of those inquiries are less than a year old?

 

Also what's your AAoA and ~Income?

 

As for Amex, being an AU will help, but so will your Gold card. Just run lots of money through them, and PIF each month. However, I would not try and apply for an Amex for at least 6 months, probably a year. You need to cut those Inq down in half. And honestly if that collection is actually showing on your report, you are going to have a very hard time getting an Amex for several years.


 

 

AAoA = 2.5 yrs.  income  95500 annual

My TL : Discover 45k / Venture 39k / BCE AMEX 33k / BoA123 Sig 24k / WF propel 17k/ Home Depot 16.5 K / Barclays Arrival WEMC 15k / Citi World WEMC 16.5k / CU Visa 11k/ Nordstrom Visa 20K / penfed rewards visa 20k / Citi AA 16.5k / spark business 15k/ Chase ink business 15k/ delta Amex platinum 14k/ boa rewards 7k /Macy Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / PNC 20k / AppleCard 40k/ citi premier 12.7k / chase Amazon 7k
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