Credit Card Center Advertiser Disclosure†
12-09-2012 02:33 PM
Hello all, I love this website first and foremost. I got my updates finally after paying my cards down and got util to 17 percent, and my scores are now experian 718, Transunion 689, and Equifax 677. I got a citi preferred, 1200 limit with zero balance, citi thank you 4000 limit 1000 balance, citi diamond 4000 limit 200 balance, paypal smart connect 1750 with a 400 dollar balance, dillards amex 1000 limit with 0 balance, chase freedom 1500 limit 0 balance, escape by discover 1750 limit 0 balance, amazon credit 2400 limit 30 dollar balance, best buy mastercard 1856 limit 0 balance, and 2 capital ones one 750 one 1500 and I plan on getting rid of them. I would like an American express BCE, Bank of america, or another chase maybe saphire or preferred. after reading this website I decided to try to get clis because I rarely got them. I had a hit to my credit in october because of a funeral i had to pay for but paid it all off. I got denied by walmart, best buy rewardszone, and amazon. Dillards increased me by 1000. I wanted to know should I keep asking for clis and take the inquiries or try new cards or just get denied? I think the only thing thats hurting me is inquries, I got a new car in september and i have 13 inq for transunion, 6 of them from september when i applied for my car loan, and 9 on equifax 3 of them being from auto loan dealers. I need help what other cards could I get? I dont plan on having all of these, i want to get rid of the capital ones, best buy, and dillards and have my new ones.
12-09-2012 03:09 PM
I also have had capital one since may 2008 and this month im coming up on 3 years for my citi, i got the discover card and the other 2 citi cards this year in april.
12-09-2012 03:24 PM
Look for some backdoor number. Most of ppl get through that route. They are higher level of CSR.
Keep us updated.
12-09-2012 03:35 PM
I called amazon because I couldnt do it online and got denied, and walmart gave me 1500 from 1100, online. I called and recon for higher and got denied. I dont even know why I tried best buy, when I got my new card from best buy and it said it was owned by capital one now, I knew it was over for limits. If I can get a better chase or bank of america or american express, I will be fine, I dont want to get rid of my capital one cards until im approved for those.
12-09-2012 05:16 PM
12-09-2012 05:49 PM
Paragraphs. I like them.
12-09-2012 06:12 PM
time is what you need. Do not apply for any cards or cli. Garden for at least 6 months you have quite a few inquiries and that is a negative to the credit card companies!
12-09-2012 07:19 PM
12-09-2012 07:23 PM
Okay, but I was reading some of the other posts and some people have more inquiries and still get approved. but I gyess its a ymmv situation. Plus, I thought that when someone applies for an auto loan, a bunch of inquiries are grouped as one.
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.