03-23-2009 01:14 PM
I want to apply for this card, and I just purchased a new car and in the process of loan shopping i have 6 enquiries on EX and TU and 4 or EQ (most of them done by dealer, some lenders enquired all 3 :-( ).
My scores are EX-721, TU-717 EQ-678 and I have brought my util to less than 10% now.
Is it ok if I apply for this card now or shall I wait for 6 months(will it help to wait)?
Also, my new auto loan is going to show up next month? Will my scores take a hit?
03-23-2009 01:52 PM
Personally I think your scores are good enough now but waiting couldn't hurt. What is your purchase history with Costco like? Do you buy often and how much?
03-29-2009 03:30 PM
04-21-2009 10:46 AM
04-21-2009 04:26 PM
04-23-2009 12:28 PM
04-23-2009 12:41 PM
Do you know what your scores were when you applied for the card? I have absolutely no clue what current score from Experian. I know I have a 30 day late from 2004 on that report (my only baddie). My UTIL is about 8% but I have a high UTIL on one card that has the 0% rate. I'm just trying to get an idea of what my EXP score is roughly.
BTW, I guess I feel better about the $2000CL. It looks like a good card, especially since I dine out a lot.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO