Reply
Established Member
brittany15213
Posts: 29
Registered: ‎02-21-2013
0

When should I apply?

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.


Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
Frequent Contributor
sarkell
Posts: 345
Registered: ‎02-27-2013
0

Re: When should I apply?

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


Take the myFICO Fitness Challenge
Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: When should I apply?

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 


 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Regular Contributor
jaraico
Posts: 104
Registered: ‎03-07-2013
0

Re: When should I apply?

depends which card you want from each bank...

from citi the simplicity is easy to get

chase id go for the freedom or slate

discover are a$$holes so avoid them lol

 

for these cards id say 670-680's

Barclays TU: 760 MyFico EX: 746 EQ:?


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+
}