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Time to Garden??

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shane1120
Contributor

Time to Garden??

All,

 

below are all my accounts and when they were opened as well as my inquires, is it time to head to the garden and let my seeds grow?

 

Inqs

Exp - 10

EQ - 5

TU - 6

 

PNC Visa (Secured) - 0/200 - Jan 2011

Cap 1 SilverOne (PCed from Platinum Classic) - March 2011 - 500/850

Cap 1 SilverOne - 0/1000 - July 2013

Kohl's - 0/300 - July 2013

Wallmart - 0/500 - July 13

Discover IT - 0/1200 - August 2013

 

 

I was thinking about  closing my PNC Card since im able to get better cards now. I was going to apply the 250 deposit toward the 500 balance on the Cap card.

 

What do you think? I was thinking of applying for the Chase Freedom after I close the PNC card?

 

Thanks 

Message 1 of 6
5 REPLIES 5
pizzadude
Credit Mentor

Re: Time to Garden??

 

Moving to credit cards.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 6
09Lexie
Moderator Emerita

Re: Time to Garden??

If all the cc's are reporting, I'd wait another 6 mos before apping for Chase. How many of those 10 inq's are 6 mos old?
Message 3 of 6
shane1120
Contributor

Re: Time to Garden??


@09Lexie wrote:
If all the cc's are reporting, I'd wait another 6 mos before apping for Chase. How many of those 10 inq's are 6 mos old?

i have used 6 INQs in the past 60 days.

Message 4 of 6
09Lexie
Moderator Emerita

Re: Time to Garden??

Message 5 of 6
myjourney
Super Contributor

Re: Time to Garden??

4 new accounts in 2 months it's time to garden

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?
Message 6 of 6
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