Reply
Valued Member
Posts: 42
Registered: ‎08-07-2012
0

Re: Went App Spree

OlegWasHere,

 

Fair enough; I would say, hang in there..patience is the key to build credit. As a short term soln, you can try for Cap One, if you really like. They might give you 500.00, It will give you a good mix and boost your overall CL but won't help you in long run. Have you consider opening a Digital CU membership? Its relatively easy to get approved for a CC from them.

 

As far as Chase reporting goes...sometimes it will take time for a bank to report. Discover takes 2 statement period to show up on credit file.

 

On the other hand, Usually EX will update so quickly, next is EQ and TU atlast. TU will take atleast 7-10 days.

 

- Syed



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: Went App Spree

Ok thanks. As you see I don't need any more cards and besides the car and the Amex I will not be using anymore inquiries. I would have liked a higher limit on freedom but it is what it is. I don't mind paying multiple times a month.


And yes I know about the reporting itself just patience Is a virtue and it's something I don't have. I daily refresh credit karma(I know Fako but its nice to see updates)
Does this put a soft hit on tu everyday? Ouch.

In all honesty I never believed in credit but want to buy a house one day so I have learned to live with it.

I firmly believe only buy what you can afford.
It would be nice to have 50k in credit available but I would never use it.
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: Went App Spree

Oh and about the cu. there a few in my area. I don't care you can look if you'd like, i jusr googled cu in Springfield ma. Everyone is saying nfcu and usaa but I was not born in America and have noone in relatives or roommates that were ever in American armed forces. So that's out the door. I've looked around at a couple but nothing seems to stick out for me.
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.