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.