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When is a good time to start applying for credit cards?

Regular Contributor

Re: When is a good time to start applying for credit cards?

Revelate-

 

That is some great sound advice. I am glad i found this website. Thanks! 



Message 11 of 21
Regular Contributor

Re: When is a good time to start applying for credit cards?

Tinuviel,

 

Do GE backed cards normally pull just TU? Next question how would i find my Mid FICO score? Is that just an average?



Message 12 of 21
Moderator Emeritus

Re: When is a good time to start applying for credit cards?


dtjones052209 wrote:

Tinuviel,

 

Do GE backed cards normally pull just TU? Next question how would i find my Mid FICO score? Is that just an average?


 

My experience and that of others indicates that GE tends to pull TU, so I think that you'd have a good shot one of their cards. It's best to pick a place where you shop regularly. Walmart is a good choice for many, with the added bonus that you can get your free TU score from them every month.

 

Your mid score is simply the middle ranked of your three scores. You say that you're "currently at Transunion 664 Experian 621 Exquifax is 580." So, your TU is your highest, your EQ is your lowest, and your EX would be your mid score.

 

Hope this helps. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 13 of 21
Regular Contributor

Re: When is a good time to start applying for credit cards?

Guys I just want to say thank you for your wisdom and insight. I was able to get appoved for the Walmart card with a $700 CL.

 



Message 14 of 21
Moderator Emerita

Re: When is a good time to start applying for credit cards?


dtjones052209 wrote:

Guys I just want to say thank you for your wisdom and insight. I was able to get appoved for the Walmart card with a $700 CL.

 


Wonderful! Don't forget to enroll in paper statements so you can get yor free TU score. 

Message 15 of 21
Established Contributor

Re: When is a good time to start applying for credit cards?

paperless* ;P

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 16 of 21
Moderator Emerita

Re: When is a good time to start applying for credit cards?


eviLution wrote:
paperless* ;P

My bad - should have double checked my typing. 

 

Thanks eviLution

Message 17 of 21
Frequent Contributor

Re: When is a good time to start applying for credit cards?


jake619 wrote:

That repo should be disappearing soon; 7 years, or is it 10?  I think 7.  If so by fall you'll be seeing scores come7 yrs

7yrs for any  credit account include repo

COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 18 of 21
Established Contributor

Re: When is a good time to start applying for credit cards?

Congrats. I was approved for the same amount last Saturday. Let us garden and that nice seedling grow ...Smiley Very Happy

 

Btw. Approved Saturday, hit me reports on Sunday ... This is fast ...



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 19 of 21
Frequent Contributor

Re: When is a good time to start applying for credit cards?

Congrats good start


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 20 of 21