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What do you think? too much?

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New Member

Re: What do you think? too much?


Dustink wrote:

scottinla21 wrote:

i shouldnt apply for anything anyways lol


No, you should not...haha

 

Although, the sooner you apply. The sooner the INQs will fall off from that application.


Good method I like it 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 Smiley Sad Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
Message 31 of 36
Valued Contributor

Re: What do you think? too much?


scottinla21 wrote:

Dustink wrote:

scottinla21 wrote:

i shouldnt apply for anything anyways lol


No, you should not...haha

 

Although, the sooner you apply. The sooner the INQs will fall off from that application.


Good method I like it LOL


That's how I always talk myself into it Smiley Happy

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 32 of 36
Valued Contributor

Re: What do you think? Too much?



Good Advice bro! thx I really love discover. cap 1 i go nuts with cant win with them at all lol


I refer to them as Crap1. I hate them with such a passion. Terrible customer service and a general unwillingness to do anything for me.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 33 of 36
New Member

Re: What do you think? Too much?


Dustink wrote:


Good Advice bro! thx I really love discover. cap 1 i go nuts with cant win with them at all lol


I refer to them as Crap1. I hate them with such a passion. Terrible customer service and a general unwillingness to do anything for me.


since 3 years i cant move past 500 idk i HATE them and i don use the word hate 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 Smiley Sad Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
Message 34 of 36
Frequent Contributor

Re: What do you think? too much?

You have a lot of different cards.. I'd probably keep the top few (no more than 5) store cards that you use the most (or the ones that offer you the best rewards/incentives) and close the rest.  Also keep the ones with over $1k CL for the time being so your utility isn't wrecked in the process of closing.  From there I'd garden for at least 6 months, and then start possibly applying for prime cards.  Maybe even wait a year so the INQs won't affect your score when you apply.

 

Good luck!

Back to gardening as of 01-02-17.. 800+ across all three (via FAKOs) has been achieved! 5 INQs currently Smiley Happy
Message 35 of 36
Valued Contributor

Re: What do you think? too much?

what's your EX score?
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 36 of 36