08-05-2012 12:35 AM - edited 08-05-2012 12:46 AM
I've been in building credit from nothing for the past 3 years and am about a week away from apping in the first time in 2 years (for prime cards finally).
I was browsing some online shops (vacation coming up) and I got a preapproval from WFNNB for victoria's secret in the amount of $750. Currently that would be a big increase of available credit and help with utilization, especially if it's just a soft pull, HOWEVER, I know any new account is going to royally screw up my AAoA. (2.6 years with only 3 cards presently open). I wanted to app for 2-4 prime cards and be done with it for awhile so everything can age together. How long would it take the WFNNB to report the credit line to my reports? I dont want to be shortsighted for some immediate gratification, especially after waiting 2 years and jeopardize getting prime cards.
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