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Hi ssghandless,
Which card(s) are you most interested in?
Not that I have much to add, but all the knowledgeable folks around here seem to ask that (understandably).
NTX
Honestly, I dont care. I just want to increase my credit overall. Reduce HP and maybe get something with an installment plan since I just piad off my truck and car. I was thinking of refi my truck so I could qualify for a low APR for a motorcycle (I know what you are going to say about a motorcycle but the truck takes mega amount of gas and the bike offsets the price of gas if I drive it.) Just make my credit file look great for a mortgage. I have a 634 EX 635 TU 646 EQ. I had an old lien come off my record recently. Any suggestions?
To help you better, could you list down your current cards with limit, util % and no of recent inqs?
- Syed
Sure:
1. Cap One 196*/500
*I can pay more on this if need be.
Thats it. LOL. I've had that card about 8 months now and it started with $300. I paid off truck November $27k and car last month $14k and lien last month $2800k. oh YES! I need an installement account somewhere in there. I was thinking of gettting that motorcycle for gas and an account?
I'd like to AMEX, Discover, Amazon, Walmart OR Target, hmmm. I dont know what else.
i thought i was the only one who exceled the heck out of my accounts
Credit | |||||||||
Citizens | Citizens | 0 | 500 | 0 | 15th | 12-Jun | 3 months | ||
Chase Freedom | Chase | 0 | 500 | 0 | 7th | 12-Jul | 2 months | ||
0 | 1000 | 0 | |||||||
Store Cards | |||||||||
Best Buy | HSBC/Cap ONE | 661.8 | 2500 | 0.26472 | 27th | 10-Oct | 22 months | ||
Macy's | Discover | 0 | 3500 | 0 | 21st | 10-Dec | 20 months | ||
Kohls | Cap One | 0 | 400 | 0 | 9th | 12-Jan | 8 months | ||
American Eagle | GECRB | 0 | 400 | 0 | 10th | 12-Jul | 2 Months | ||
Walmart | GECRB | 0 | 800 | 0 | 25th | 12-Jul | 2 Months | ||
661.8 | 7600 | 0.08707 | 8.4 Months AAOA |
went from 3 cards and 1.2 aaoa to 7 cards 8.4 months.
the only other card i want is an amex. also im going to be leasing a car depending on job status(promotion not a new job) that i will know for sure in the next week (hoping to get it sep-3/4th) and apping for amex same day.
then apping for second amex in feb when half the inquries fall off. here is all inquries on my accounts after that gardening forever. (or until i look for a condo/house)
Inquries | |||||||||
1 | Chase 8/23/2010 | Denied | Experian | 1 | |||||
2 | Macy's 12/21/2010 | Received | Experian | 2 | |||||
3 | Sallie Mae 4/14/2011 | Denied | Transunion | 1 | |||||
4 | Cap One Kohl's 1/4/2012 | Received | Experian | 3 | |||||
5 | Chase 2/2/2012 | Denied | Experian | 4 | |||||
6 | Citi 2/2/12 | Denied | Equifax | 1 | |||||
7 | Cabela's 2/8/12 | Denied | Equifax | 2 | |||||
8 | Citizens Bank 6/15/12 | Received | Equifax | 3 | |||||
9 | Citizens Bank 6/26/12 | Received | Equifax | 4 | |||||
10 | GECRB-AE 7/18/12 | Received | Transunion | 2 | |||||
11 | Chase 7/26/12 | Received | Experian | 5 | |||||
12 | Walmart 7/29?/12 | Received | Transunion | 3 |
excuse the screwups by html error from copy and paste. move one over for things that look out of place.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
I would like a CitiForward card but they denied me. I have a cap one card now for two years and I'm at my max limit of $750. They refuse to increase my CL. It's annoying. You can't do anything with a $750 limit.
Hi ssghandless,
If I am you, I would approach near by credit union and open a membership and request for Credit Card with the single inquiry (usually CUs will make a Hard Pull for opening membership). Identify a CU and do little research in this forum to know the bureau they will pull before going there. Assuming your score is mid 600, you have a good chance of getting min 1K CL there.
Then, I would suggest go for Walmart (GE), they might approve you a 500.00 limit but we may request min 3 CLI each year, so this card will grow with us and help AAoA. Same goes for Amazon store card. But, I would wait and build a decent history in atleast 2 cards for more than a year before applying for Discover or Amex. If you want to take a chance with those 2, that's perfectly ok but I would not like to waste an inquiry on them. I think, both Discover & Amex will make inquiries in atleast 2 bureaus.
Hi OlegWasHere
Shall I ask you a question? Having score on 700s, why you went for store cards? You should have applied for premium cards...(Amex, Discover, Chase), isn't it? I learnt from this forum that, while doing App Spree always begin with top Cards as we can get store cards even with low 600s, also we won't get denial for too many inquiries when apping store cards.
I see ppl with glamorous portfolio when they are in 700+. With your score you will definitely get higher limits...min 5K per card assuming you don't have any BK in the past.
- Syed
Store cards are not just for people with lower scores. They are actually for people who shop at those stores on a regular basis. They can save you a ton of money, which is just as important as a fico score.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |