Question about gardening current credit cards

[Anonymous]

Okay I jhave been reading about gardening credit cards and I have a question. What is the best way to do it. I have two Cap one QS cards, one with a 1000.00 limit and one with a 1300.00 limit. I usally charge about 10% of the limit on each and PIF each month. I want these cards to grow and get CLI's. I have been declined for Discover IT and Chase Amazon. I even tried the reconsider lines for both and was turned down. My BK was discharged in 3/2011. I would love get get the Chase Sapphire card. Any tips would be greatly apprecited!!!

[Anonymous]

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@Anonymous wrote:

Okay I jhave been reading about gardening credit cards and I have a question. What is the best way to do it. I have two Cap one QS cards, one with a 1000.00 limit and one with a 1300.00 limit. I usally charge about 10% of the limit on each and PIF each month. I want these cards to grow and get CLI's. I have been declined for Discover IT and Chase Amazon. I even tried the reconsider lines for both and was turned down. My BK was discharged in 3/2011. I would love get get the Chase Sapphire card. Any tips would be greatly apprecited!!!

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Date of last application and FICO's?

[Anonymous]

Date last application was like 7 days ago, and I'm sorry I dunno know my true FICO score, I do know my FAKO from Credit Sesame is 618 and Credit Karma is 611. On my letter from Chase it said my Score was 648. And the Discover letter said 608 . How can I get my Fico? And in the trun down letters they both pulled Equifax

[Anonymous]

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@Anonymous wrote:

Date last application was like 7 days ago, and I'm sorry I dunno know my try FICO score, I do not my FAKO from Credit Sesame is 618 and Credit Karma is 611. On my letter from Chase it said my Score was 648. How can I get my Fico?

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Chase letter....CARS score or EX FICO?

Interesting you got denied..What are your current negatives if any?

[Anonymous]

Thanks Nixon, I have collection form Cavlary Portfolio for over two years ago from HSBC, which I am trying to get removed, they both said the reason was for the BK and not enough established since BK. What is CARS score? What other information would you require?

[Anonymous]

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@Anonymous wrote:

Thanks Nixon, I have collection form Cavlary Portfolio for over two years ago from HSBC, which I am trying to get removed, they both said the reason was for the BK and not enough established since BK. What is CARS score? What other information would you require?

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So, charge off resulting from the BK..

Unfortunately there isn't much to do there. This topic may be a better match in Rebuilding.

CARS score is Chase's internal scoring system.

[Anonymous]

Thanks I will post it there later tonight