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Just found out today I was approved for the OCCU Visa Card with a CL of $1500. And a little over a week ago I was approved for a USAA Visa with a 5 digit CL NOT unhappy about the OCCU CL, but curious about something. My question is: Should I have allowed USAA to report first before app-ing for the OCCU card to possibly have gotten a higher CL from OCCU--OR would OCCU have been spooked by the USAA CL if I had waited for it to report THEN apply--OR would it have made NO difference? I app-ed believing if I would have waited for USAA to report-it would have meant a denial by OCCU for obtaining too much available credit in a relatively short period of time. Just trying to educate myself about credit for the future.
A lot depends on income AAA any baddies, utilization but I do have to say this. Congratulations!
@coldnmn wrote:A lot depends on income AAA any baddies, utilization but I do have to say this. Congratulations!
No baddies, AAoA around 4 years, utilization around 9%. Never, ever late.
Thanks!
I would think with the huge starting limits they have given. If they are treated right CLI should be very easy to get.
Thanks peeps. My total revolving credit without USAA was $7500 (which is what was seen at the time of app) with current 6% UTIL and income of $51K with relatively low overall debt.. AAOA approx 5 yrs. 4 PAID derogs 2 to 6 yrs. old. Relatively thick CR file. I was actually all set for a denial and was suprised when I was accepted.
@seat3a wrote:
@coldnmn wrote:A lot depends on income AAA any baddies, utilization but I do have to say this. Congratulations!
No baddies, AAoA around 4 years, utilization around 9%. Never, ever late.
Thanks!
Sorry. but I posted the above reply on the wrong page.
@coldmnn: Easy CLI's with responsible usage...That's what I'm hopin' and why I'm not mopin'-LOL. Unfortunately no one on the forum has had the cards (Duck or Beaver) long enough to find out.
+1 More than likely it was that (paid derogs) No. 1--and maybe the age of the other recent TL's No. 2. But better showing paid than unpaid (derogs). JMO