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Mega Contributor
Posts: 17,101
Registered: ‎08-08-2011
0

Re: Q: App Timing for Best Results

I REALLY thought about applying for the Duck card. I can't think of one reason to apply for it. Thankfully I somehow have self control and more then enough credit not to.Smiley Sad

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Moderator
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Q: App Timing for Best Results

@Credit-hoarder

Derogs, paid or unpaid are counted the same but on manual review it does look better.
Moderator
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Q: App Timing for Best Results

@coldnmn

I agree. other than a high CL I don't see the appeal. PLUS they would literally rip up my Bruin Alumni Card ESP after last nights thumping.

To each is own. Smiley Sad
Valued Contributor
Posts: 1,093
Registered: ‎08-30-2013
0

Re: Q: App Timing for Best Results

Nothing wrong with self control-keeps you out of trouble in the long run. I didn't really need the credit either. I just got caught up in the thread and was one of a few people who offered themselves up as a "lab rat" so-to-speak to see how fair credit would stack up on application. But was also hoping deep-down to hit it big with a high initial CL.

Mega Contributor
Posts: 17,101
Registered: ‎08-08-2011
0

Re: Q: App Timing for Best Results

I know the feeling that's how I applied for the ring. Glad I did after I had unexpected pickup repairs had to carry a balance 8% not bad.

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Valued Contributor
Posts: 1,093
Registered: ‎08-30-2013
0

Re: Q: App Timing for Best Results

@coldnmn: Is the CL in your signature the one Barclays's gave you when you were approved or have you had a CLI since you've had it?

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Mega Contributor
Posts: 17,101
Registered: ‎08-08-2011
0

Re: Q: App Timing for Best Results

I've had two Cl I have gotten an auto CLI every 6 months since I've had it. It will be 18 months next month, they softed me 10/10 so hoping for an increase to $5000. I won't do a hard pull to get it. It took 2 hard pulls to get it. I have 5 total right now with all but 2 to fall off first half 2014.

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15

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