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@enharu: Yes that IS a LOT of new accts. Even more than i opened in 2.5 months.
@Jbb2788 wrote:Cards I was approved for this month;
Discover IT $800
Chase Slate $1000
Chase Freedom $1500
Duck Card $1000
DCU Platinum Rewards Visa $6000
Victoria Secret $350
JCrew ?
Express ?
Buckle ?
Walmart Store Card $700
Macy's $600
Dillards $200
I'm MOST afraid to lose anything with Chase...I'm just going to do what everyone is saying and keep UTL low and PIF...I'm so ticked at myself for opening those worthless shopping cart trick CC's..Does anyone think closing those cards would help my cause?
Most of those are store cards and none are Barclay's, so I think you'll be okay. I wouldn't carry a bal at all if I were you, for at least six months. I'd PIF each month, with your reporting utli around 10%.
@09Lexie wrote:
+1
Whatever you do, pay more than the minimum payments.
Here's my .02 on opening too many TLs and worrying about it later. One of the reasons the new sub-board was established was so people would not get caught up in the windstorm of approvals. Applying and being approved is a wonderful feeling ESP if you are new to credit or reestablishishing. Learning how to handle/manage cc's is just as important as being approved.
End of rant.
+1000
Wiser words couldn't have been said!
@Jbb2788 wrote:Cards I was approved for this month;
Discover IT $800
Chase Slate $1000
Chase Freedom $1500
Duck Card $1000
DCU Platinum Rewards Visa $6000
Victoria Secret $350
JCrew ?
Express ?
Buckle ?
Walmart Store Card $700
Macy's $600
Dillards $200
I'm MOST afraid to lose anything with Chase...I'm just going to do what everyone is saying and keep UTL low and PIF...I'm so ticked at myself for opening those worthless shopping cart trick CC's..Does anyone think closing those cards would help my cause?
i don't see a point in closing them. If you'd prefer to SD them, that's certainly an option. I think that's the lowest Duck Card CL I've seen and Dillards is a bit on the low side, too, so clearly the lenders got a tad nervous. However you still got approved. Definitely need to garden and only use the cards that have a good use for their best use. If you're a frequent VS shopper, they have a good rewards structure. The GE cards can definitely grow with you. But defintiely keep UTIL low and sort out the best way to use these cards.
@FinStar wrote:
@09Lexie wrote:
+1
Whatever you do, pay more than the minimum payments.
Here's my .02 on opening too many TLs and worrying about it later. One of the reasons the new sub-board was established was so people would not get caught up in the windstorm of approvals. Applying and being approved is a wonderful feeling ESP if you are new to credit or reestablishishing. Learning how to handle/manage cc's is just as important as being approved.
End of rant.+1000
Wiser words couldn't have been said!
Well said - Best of luck !
I feel you. Did a bit a crazy thing myself this year. End of 2012 I had a total of 2 cards with a CL of 8,5K and 8 months later with 6 new accounts my new credit line is 74,5K and total of 8 cards. This spooked some lenders (Chase and Discover). November is now the magic month for Barclays 6th months review and I also keep my fingers crossed for that one. AA on Barclays would really hurt me as this is by far THE BEST CARD for me .. Lesson learnt and I will never do this again but rather app slowly with at least 6 months time between cards.