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?
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?
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.