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New Member
Posts: 20
Registered: ‎01-06-2013
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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
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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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%
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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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:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
New Member
Posts: 20
Registered: ‎01-06-2013
0

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
Frequent Contributor
Posts: 434
Registered: ‎11-25-2012
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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!


The road to 800...
Available credit: $80k+
INQs: 1 TU, 3 EX, 0 EQ
Planned apps: NONE - Gardening indefinitely! - Bronze 7/15/15
On the chopping block for 2015: Gap Silver, Chase Slate
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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: What do you think? too much?

what's your EX score?
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
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