Credit Cards

[webhopper]

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ninjamike81 wrote:

just got a walmart card yesterday.  seen that chase pulls EX for the most part or EQ on credit boards.  EX is my best report by far and they approved me but didnt say what the cl is.  is chase freedom considered a prime card?  should I try for the saphire today aswell just to see if im approved or will it be another hard inq.  thanks mike

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Congrats!  Freedom is a nice card that will grow with you

[LS2982]

CONGRATS!!!

Chase is almost always HP for CLI, i'd hit them up at the yearmark.

[ninjamike81]

thanks.... and thanks for the cli info

[LS2982]

You might even be OK at 6 months stressing the low CL they may work with you

[creditnocash]

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Tommy5746 wrote:

Just out of curiousty, who did they pull?

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every time ive apped chase.

2 times denied 

once instant approval. 

they pulled experian.

[ninjamike81]

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Tommy5746 wrote:

Just out of curiousty, who did they pull?

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they pulled experian and equifax    10 pt hit for EX bc the hard pull.  but EQ didnt budge EX=5 EQ=8 TU=9 INQ.

[maiden_girl]

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jamesdwi wrote:

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maiden_girl wrote:

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DeadSpider wrote:

Call Cap1 again and cancel over the phone they might drop the $19 if not close that $%$%#^.

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It sounds like cap one is the oldest trade line account. I wouldn't advise canceling it b/c it will drop your AAoAs. I would keep it open and just not use it. Cap one never gives CLIs...

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this is wrong, closed cards in good standing stay on your report for 10 years. in 10 years the OP will hopefully have long history so the lost of the card then will have very little impact.  The only reason not to close a card is that it will effect your total UTL.  

The AF is not terrible, if you don't need the card close it, if you can think of any reason to keep it that is worth $20 keep it open. 

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I should have corrected my post....it will drop AAoA after 10 years b/c it will have stopped reporting the account on the CR.