Should I apply for the duck card ??

youngman1234 · ‎11-21-2013

I have been seeing alot of people applying for this card lately... Just wondering if I will get approved...

I just went on a spree in September... And I have been declined lately by Amex and for the visa blk card.

I have like 20+ inq on each of the reports.. But most recently probably like 3-5 inq this year on each report.

Should I apply ??

09Lexie · ‎11-21-2013

Based on the information provided, no. Denials from multiple lenders usually indicates its time to reevaluate your plans.

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youngman1234 · ‎11-21-2013

I don't have bad credit... I just went on a spree that's all. The Amex thing I understand cus I was Fr'd and a day after I got the go ahead I applied..lol

enharu · ‎11-21-2013

I think you should stop. You are just going to invite more adverse action against you at this rate...

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

myjourney · ‎11-21-2013

At 20+ INQ's across each CB it's been time to stop and allow yourself time to recover

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

youngman1234 · ‎11-21-2013

Yeah ok I will wait for these new inq to age. Do u think 6 months is ok...

By the way my credit it profile is the following:

3.5 years history.

1. BOA-35k
2. BOA - 25k
3.BOA - 20k
4. Alliant- 15k
5. Discover- 24.5k
6. Citi- 24k
7. Penfed- 12k
8. Ameriprise- 7k
9. PayPal- 3k
10. Amex - 1k
11. Amex plat- NPSL

12. Amex business gold- NPSL
13. Citi business - 7k
14. Wells Fargo secured -40k

youngman1234 · ‎11-21-2013

Oh yeah and 25k - Penfed LOC

FinStar · ‎11-21-2013

@09Lexie wrote:
Based on the information provided, no. Denials from multiple lenders usually indicates its time to reevaluate your plans.

+1

Including what enharu and myjourney have posted already.

Jansroom726 · ‎11-21-2013

Do you really need more credit? Personally, I would just focus on gardening what you have. You have some great limits... I don't see a huge need to get the Duck card right away...... just my $.02.

25 years old. Scores around 740. Income = 45K. Chase Car Loan @ 2.4%, AAOA = 2 years. Total Personal CL = 120k.

-Wade- · ‎11-21-2013

@youngman1234 wrote:
Yeah ok I will wait for these new inq to age. Do u think 6 months is ok... I would wait at lease a year

By the way my credit it profile is the following:

3.5 years history.

1. BOA-35k
2. BOA - 25k
3.BOA - 20k
4. Alliant- 15k
5. Discover- 24.5k
6. Citi- 24k
7. Penfed- 12k
8. Ameriprise- 7k
9. PayPal- 3k
10. Amex - 1k
11. Amex plat- NPSL

12. Amex business gold- NPSL
13. Citi business - 7k
14. Wells Fargo secured -40k

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******