So, what next?

[Creditaddict]

Apply for Amex!

[Kostya1992]

No way I would get approved lol..

[notfancy]

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@kostyan1992 wrote:

Thanks guys! Contacted Capital One and had them product change me to QuickSilver without annual fee. Did not have any difficulty! Sooo... time to garden until 7/2015?

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That is wonderful, congratulations. I don't know what accounts you were denied for, but your scores suggest that Amex might approve yo. However you do have some new accounts, so that makes it a little sketchy.

I would also look for a CLI from CapOne in October.

[Creditaddict]

Your credit scores and other credit cards say you will get approved. Amex is not that hard.

[s_haliz]

I would be in agreement with others to hold for a while except to try to CLI. About a year or so several inquiries would fall off from your credit report. At the same time you would had used your existing credit cards and built your history. This would make your score keep rising as well....Just my 2 cents....

[Creditaddict]

Op wants ame for member date, you can't hold past December if that's your goal... I rather slam the Inq's now and apply

[Dw4250]

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@Themanwhocan wrote:

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@kostyan1992 wrote:

A full year of gardening huh.. gardening is always good but for a whole year before making any moves? Thanks for the advice!

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I obtained one secured card, gardened for a year, and obtained all the cards and credit limits in my signature in the 1.5 years after that.

Thats 80.8K total credit limits, with a $60K income. And some quite good cash back cards if I do say so myself.

Sometimes its good to garden the first year.

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To paraphrase Yoda: "To Themanwhocan you listen!" 

Yeah concentrate on soft pull PC's and CLI's this year and go for the big prizes next year.

Good luck!

BTW, themanwhocan, how did you get 7% on groceries on one of your Sallie Mae cards?

[Themanwhocan]

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@Dw4250 wrote:

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@Themanwhocan wrote:

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@kostyan1992 wrote:

A full year of gardening huh.. gardening is always good but for a whole year before making any moves? Thanks for the advice!

---

I obtained one secured card, gardened for a year, and obtained all the cards and credit limits in my signature in the 1.5 years after that.

Thats 80.8K total credit limits, with a $60K income. And some quite good cash back cards if I do say so myself.

Sometimes its good to garden the first year.

---

To paraphrase Yoda: "To Themanwhocan you listen!" 

Yeah concentrate on soft pull PC's and CLI's this year and go for the big prizes next year.

Good luck!

BTW, themanwhocan, how did you get 7% on groceries on one of your Sallie Mae cards?

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Barclays has given me 3 month long targeted offers for each of the past 3 quarters. Not the same offers each time, and not always on the same card, but i'll take it.