09-09-2010 12:58 PM
Is it just me or is this board just been really quite lately?
I have to reduce my debt by about 20% and I would like to do that in under 3 months so I can refi my car.
Are other people working on a specific goal and that's why not seeing a lot of recent apps and approvals?
09-09-2010 01:37 PM - edited 09-09-2010 01:38 PM
I'm paying down about $2000 in CC balances by December, and waiting for all my new accounts to become 6 months old. Then I will be applying for a Discover card in January and then on to an Amex Gold in July of 2011 once my most recent EX inq is 12 months old.
09-09-2010 01:47 PM
Here's my plan:
Now, I may need to apply for something in between my closing and my mortgage reporting for the first time but I will be on here getting opinions before I do!
09-09-2010 05:25 PM
i was actually thinking there was a big rush of people applying for things!
i have been paying our debt down, & i was waiting to get balances down before applying for anything. i did apply for & get an amazon store card & an express (store) card.
yesterday i applied for a citi card i had received an invitation for, but i got the "wait & see!" message, so now i am on pins & needles! probably should have app'd for the citi forward, seems like they were approving a lot of those lately.
09-09-2010 05:32 PM
What do you mean by no activity. In the last 3-4 weeks, I got 3 Amex cards, GEMB Universal Amex Card. Penfed Promise. I am doing my share to keep the board busy with the apps and approvals.
09-09-2010 05:54 PM
My newest cards will hit a year next month. Will app for Citi Forward and a gas card (leaning toward Fort Knox over Penfed) then. I'll probably open an account with Alliant as well for their high interest checking, but won't be bothering with their credit card for a while.
09-09-2010 08:03 PM
i'm not a big appaholic. after mucking up my ccs the 1st time, i spent 7 years living w/o ANY ccs.
i'm working on-
paying down some debt that i incurred when my income slowed down over the past year + unexpected expenses happened. i don't like being in debt @ all, so this is my 1st priority
saving for more of an emergency fund b/c while i've come a LONG way, i recently found i don't have enough of an emergency fund
letting my accounts age. my 'newest' accts hit the 2 yr mark recently, but due to living w/o credit for most of the past 7 yrs, my AAOA is VERY young, so no real point in apping and killing my age
getting inqs down. down to 0 on ex by the end of this mo., down to 0 on eq in a few mos., tu is now @ 3 bc of CAs popping back up (just when you think they're gone, boom, they ding you again)
waiting until my USAA secured hits 1 yr old + hopefully unsecures (7/11).
waiting for some baddies to drop off- 12/10 marks quite a bit of baddies (student loans reporting wrong) dropping off.
after all that happens, i'll app for my 'dream card'- NFCU...then i'll kill off the last of my 'toy' ccs (bestbuy rewards zone + hooters) unless they give me CLI
oh yes, i'm waiting for target to cli my 200 cc lol
09-09-2010 09:33 PM
I've been applying more due to the fact that I need more reward cards lol. Think I over did it.
Past month applied for becu reward visa, citi aa platium visa, chase select visa all got approved and cl average 7000 limit. I think they're all copying each other lol.
I haven't checked my credit yet to see what my score is. I'm sure it's down probably 20points or more. Though all my credit cards are zero balances.
09-09-2010 10:01 PM
Well since the beginning of June I've gotten...
Citi Platinum Select M/C $4200
CFNA (WheelWorks) $1800 (car repairs 0% financing for 6 mos)
Chase Southwest Signature Visa $5000
Citi AA Select Amex $6000
I have a total of $500 I'm carrying on 2 0% cards and will PIF by the end of next month. Everything else is paid before statements cut. The last two I applied for the free flights and the first two were for 0% financing. From now on I'll only apply for credit that has some really great deal or for a car or home. I just don't push that much $$ thru CCs to need any more.
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.