Credit Cards

[let]

Eq- 652   6 inq

Tu-  641   5 inq

Ex- 642    more than 5 inq

in your opinion is it worth the hard pull, do I have a chance for a CC?

also,

No collections on Eq, one on TU due to fall of this month, Ex 3 collection accounts.  I have HSBC, Visa from my CU, Credit one, and 1st Premier.  TIA

[PurpleHaze]

I'm in Ohio and Macy's pulled EX for me.  EX appears to be your worst report in terms of collections and inquiries. I dont think I would chance it, but see how other members feel.

ETA: missing words

Message Edited by PurpleHaze on 09-08-2009 04:41 PM

[Creditaddict]

Apply in store, not online

[wmarat]

Macy's exclusively pulls EXP. Apply in store.

[let]

Yeah, I don't think I'll apply afterall, not really worth the hard pull.  Thanks to everyone for the help!

[creditwherecreditisdue]

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let wrote:

Eq- 652   6 inq

Tu-  641   5 inq

Ex- 642    more than 5 inq

in your opinion is it worth the hard pull, do I have a chance for a CC?

also,

No collections on Eq, one on TU due to fall of this month, Ex 3 collection accounts.  I have HSBC, Visa from my CU, Credit one, and 1st Premier.  TIA

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Macy's pulls EX - the score is fine, but too many INQ's for app'ing. Wait until some INQ's fall off - then you should be quite fine to app. Be sure to app in-store. Do not app online.

[Cory]

I just closed my Macy's card. I was never going to use it again anyway. Interest rate is to high, and I'm a interest payer. I look for the best deals.

Cory

[creditwherecreditisdue]

Macy's is the best store card there is. Kohl's is number two. Everything else is a distant third.

APR's don't matter if you PIF.

Locate CreditAddicts thread regarding Macy's GLI for some interesting commentary.

[Macroman]

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creditwherecreditisdue wrote:

Macy's is the best store card there is. Kohl's is number two. Everything else is a distant third.

APR's don't matter if you PIF.

Locate CreditAddicts thread regarding Macy's GLI for some interesting commentary.

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Dell has been pretty good to me in the store card category, but of course Dell is not exactly a department store.