Shouldn't apply any more, right?

[Anonymous]

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@JWatson0405 wrote:

Thanks, I'm sure I will be!  I've caught the MyFICO itch, and the community has been far too helpful to not continue to visit, contribute and learn!

Happy holidays to you as well.

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The same thing happened to me almost 10 months ago

I couldn't agree more with your last statement.

[Anonymous]

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@KIPPIE12 wrote:

Keep in mind that if you're going to  get a mortgage in Dec of 2012, that those inquiries will still remain on reports for 2 years, but will have already turned one year old, and will no longer have an impact on your score.  I have personally seen about a 4pt increase when one turns a year old

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Same here, it seems as our FICO's get higher (You have very high FICO's as well), the less point increases we see when an inq hits the year mark, I remember when I was in the low 700's each inq that hit the year mark was worth about a 9 point increase. Was it like that for you KIPPIE or has it always been about a 4 pt. increase?

[Creditaddict]

If you are looking to replace BBMC I would get a Citi Card, my Fav. right now is "forward"

[JWatson0405]

I will not be using the BB RZMC very much with the addition of my two new cards. (Delta AmEx and USAA MC).  The $300 limit on that one just doesn't seem as appealing anymore.  Won't be closing it as it is my oldest revolver though; who knows maybe one day they will CLI me!

As far as my next card.  I've read good things about the Citi Forwards as well as a few Chase cards.  It will definitely be a prime when that time comes; seems like most primes are pulling EQ in my area (MN).  Unfortunate because thats my lowest score.  How do BoA cards stack up?  

[Anonymous]

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@JWatson0405 wrote:

I will not be using the BB RZMC very much with the addition of my two new cards. (Delta AmEx and USAA MC).  The $300 limit on that one just doesn't seem as appealing anymore.  Won't be closing it as it is my oldest revolver though; who knows maybe one day they will CLI me!

As far as my next card.  I've read good things about the Citi Forwards as well as a few Chase cards.  It will definitely be a prime when that time comes; seems like most primes are pulling EQ in my area (MN).  Unfortunate because thats my lowest score.  How do BoA cards stack up?  

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I love BoA, had my BankAmericard Cash Rewards 123  World MasterCard with them 3 months 5K initial CL, asked for an additional 5K, two days later I logged into my online account, there it was 10K CL, soft pull, no questions asked, that's what I call a good CCC.

[JWatson0405]

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@Anonymous wrote:

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@JWatson0405 wrote:

I will not be using the BB RZMC very much with the addition of my two new cards. (Delta AmEx and USAA MC).  The $300 limit on that one just doesn't seem as appealing anymore.  Won't be closing it as it is my oldest revolver though; who knows maybe one day they will CLI me!

As far as my next card.  I've read good things about the Citi Forwards as well as a few Chase cards.  It will definitely be a prime when that time comes; seems like most primes are pulling EQ in my area (MN).  Unfortunate because thats my lowest score.  How do BoA cards stack up?  

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I love BoA, had my BankAmericard Cash Rewards 123  World MasterCard with them 3 months 5K initial CL, asked for an additional 5K, two days later I logged into my online account, there it was 10K CL, soft pull, no questions asked, that's what I call a good CCC.

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Well, I'll keep them in mind then, thanks for the input!