Reply
New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013

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 :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:

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 :smileyhappy:

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?

[ Edited ]


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: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?


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 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
Contributor
leoment
Posts: 214
Registered: ‎11-25-2012

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!


Building the perfect card portfolio, one app at a time.
Available credit: $60+k
Discover TU 1/14: 776
Quizzle EQ: 1/28/14: 789
Planned apps: NONE! Gardening indefinitely! - Gold Spade 1/26/14
Valued Contributor
Repo-ed
Posts: 2,949
Registered: ‎02-09-2012

Re: What do you think? too much?

what's your EX score?

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
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+