Reply
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: What do you think? Too much?


scottinla21 wrote:

all are mid 600's Inqs you dont wanna know lol ex 8 eq 9 and trans 11


Lol could be worse...

 

I think my INQs are like 15/18/12 or somthing like that...haha

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013

Re: What do you think? Too much?

Thanks alot i will... if you dont mind me asking what was yours scores when you app for usbank right now all my scores are mid 600's

Discover More/Now IT - 1700 R/Walmart - 1500 Sams Club - 1500 Cap 1 - 1000 Cap 1 - 750 Amazon store card - 500 hsbc/Cap - 400 Best Buy - 750 Toyrus - 500 Macys - 1300 JCP - 700 lowes - 300 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013

Re: What do you think? Too much?

Lol yea but you have good limits Would LOVE the freedom card but chase hates me lol

Discover More/Now IT - 1700 R/Walmart - 1500 Sams Club - 1500 Cap 1 - 1000 Cap 1 - 750 Amazon store card - 500 hsbc/Cap - 400 Best Buy - 750 Toyrus - 500 Macys - 1300 JCP - 700 lowes - 300 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: What do you think? Too much?

I had no credit when I initially apped for US Bank and was given a $300 limit.

 

I just built up my relationship with them. I don't think they ever made a decision based off my credit score.

 

You would have a shot at their student card (or basic plat visa). Then after a 6 months ask for a credit limit increase. Then after another 6 months you could see if they could switch it to a rewards account, or approve you for a rewards account.

 

I don't think you could go straight to one of their higher level accounts.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013

Re: What do you think? Too much?

Do you have to be a student tp get a student card?

Discover More/Now IT - 1700 R/Walmart - 1500 Sams Club - 1500 Cap 1 - 1000 Cap 1 - 750 Amazon store card - 500 hsbc/Cap - 400 Best Buy - 750 Toyrus - 500 Macys - 1300 JCP - 700 lowes - 300 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: What do you think? Too much?

When was the last time you tried for it? 

 

I would think they would offer it to you with a toy limit like $500. If denied you might have a chance to recon for a low limit. Then build up that low limit.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: What do you think? Too much?


scottinla21 wrote:

Do you have to be a student tp get a student card?


They do not verify enrollment. Being 23 is pretty much right within their targeted market for that card.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013

Re: What do you think? too much?

If you dont mind me asking what was ur score when you app Apple visa?

Discover More/Now IT - 1700 R/Walmart - 1500 Sams Club - 1500 Cap 1 - 1000 Cap 1 - 750 Amazon store card - 500 hsbc/Cap - 400 Best Buy - 750 Toyrus - 500 Macys - 1300 JCP - 700 lowes - 300 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: What do you think? too much?


scottinla21 wrote:

If you dont mind me asking what was ur score when you app Apple visa?


You talking to me? I don't have an apple visa.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013

Re: What do you think? Too much?

Wow you are a big help.. I App Like a month ago i called the back door there was no pull at all with anyone there lol

Discover More/Now IT - 1700 R/Walmart - 1500 Sams Club - 1500 Cap 1 - 1000 Cap 1 - 750 Amazon store card - 500 hsbc/Cap - 400 Best Buy - 750 Toyrus - 500 Macys - 1300 JCP - 700 lowes - 300 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600

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
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+