My goal cards and last card apps for awhile will be Chase Citi Discover and Amex. Wont app all at the same time but I can hardly wait to see the APPROVED word again!! What are the score requirements for these cards? I got denied for Discover a couple weeks ago. They closed my last account awhile ago. Since then I have had two collections fall off only one left PAID and I have some missed payments with discover and BofA from 2009. I have been looking around and see that scores have to be in the upper 600's to lower 700's.My utilization is also below 15% I am doing the PIF every month with only one credit card with a $1000 balance but 4.5K CL. Any advice is appreciated I dont want to apply if my chances of denial are high I just cant wait to get back on with some of the bigger credit card companies. Also, scores below are current.
Maybe first goodwill late payments and collection then maybe apply.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500 In the garden until I can get a BCP Starting Score: 534 Current Score: 682 EQ SW 660 TU 636 EX 3/26/13 Goal Score: 720
Work on those baddies get your scores up close to 700 and im willing to bet you might get approved for all of them @ same time
Before you app think... Have you done your research of the CC? Does it fit your spending? Do you have a plan for the bonus w/o going into debt? Can you afford the AF? Do you know the cards benefits? Is it worth the HP?
Starting Score: 534
