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juliemgates wrote:
Hi guys, well, my EX score jumped today from 638 to 677. Eq is 645 and TU is 636. I haven't applied for a new card since my score was 594. I would like to get another one to help my util. I have the basic sub 3 (orchard, first prem and cap 1 ) with a total limit of $1050. I don't want to apply if I have to take a hit with an inquiry. I am shopping for a new mortgage and have had several inquiries lately. Should I wait til my score goes up or is there a company more likely to extend a card with a median of 645?PS. My score has been climbing thanks to all of you and this amazing site.......thanks!!!!!!!!
How long ago did you app for your last card? What is your overall utilization? The scores here are clasic FICO some banks use a credt card model score. So those questions are very important. Either way I say go for it. You may want to wait for a pre-approval offer cause a lot of times they beat those offered to the general public.PS The previous poster is right. Wait til after you've moved into your new house.
juliemgates wrote:
Hey Bram, ok well i have not applied for a card for about a year. My util is at 22-26%. I am actually looking to refi but I think I should wait for another 6 mos. The rates are absurd and I really want to see if I can get into the 700's first. Is there a card that would be better than others based on my situation?
I would apply if you are going to wait 6 mos. Try Wamu or even a credit union like CCCU JFCU or PenFed. Much better with the limits