05-12-2013 03:18 PM
05-12-2013 03:31 PM
Ok, I have reached two goals that I wanted to get before entering the garden since I guess the AMEX CLI won't start my garden time over since it is a SP. Well everyone around me is getting the Discover IT and i'm getting jealous! I just got a Credit Union card and haven't even received my Chase Freedom but I kinda want the Discover IT now too!!!!! is it worth it? Do the categories ever overlap or could I end up getting gas say 3 out of 4 quarters? That'd be amazing! Also, if i do decide, should I app before or after my 3X CLI with AMEX? Im eligible the second week in June so would it even show before then? Most recent Experian pull was a 707 and Equifax was 670.
My Wallet - Chase Freedom - $3,000
BB&T Platinum Visa - $2,500
American Express Blue Sky - $2,000
Best Buy Store Card - $1,900
Kay Store Card - $1,800
BayPort Classic Visa - $1,000
IMO I'd wait 6 months.
05-12-2013 03:36 PM
05-12-2013 03:41 PM
Hmmm, my only argument with that is its either this or nothing! I want to go ahead and garden because I plan to go for a house within the next two years i want 0 inquiries!!!! So if I keep my final apps within a shoter time frame all the inquiries will fall around the same time. What do you think??
1 INQ is not going to kill you. If you really want it go for it now but it could produce a toy limit tho.
05-12-2013 03:49 PM
05-12-2013 03:49 PM
If you wait a few months and allow your credit rating to grow you'll get a better interest rate from Discover. They will probably pull EQ or TU and since your score with EQ is 670, you will get a higher interest rate at this time. IMO
05-12-2013 03:55 PM
05-12-2013 04:12 PM
05-12-2013 04:15 PM
Hahahhahahha deep down inside I want to but im still on the fence!!!!!! Plus I dont want to over do it with cards and get flustered and miss a payment. I need a daily planner to keep up with all this!!
Heads - Garden
Tails - DOOOOOOOOOOOOOOOOOOOOOOOIIIIIIIIIIIIIIIIIIIIIIIIII
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.
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.