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I currently have:
Discover More, Capital One Journey, and Citi Forward each with a $1,000 limit.
My current reports show 0% Utilization (when I apply I will leave 1%)
Oldest account ~ 1 year 2 months.
AAOA~10 months.
Student Loan Balance ~ 8,000
Annual Income~ 24,000
2 Inqs on EQ, 3-4 on Trans and Experian. (2 on each will be reaching 1 year in January)
EQ FICO: 710
No Negative info (Lates, Collections, Public Records, etc)
I'm interested in:
1) Chase Freedom : I like the Freedom for the rewards, I can link it as Overdraft Protection to my Checking, etc.
2) UPromise by Sallie Mae (Barclays now issues the card) : I like the UPromise card since I can use the rewards as credit towards my student loans.
3) Apple Barclay's Card : I like the Apple card since I can always get a new Mac and take advantage of the financing. Also I heard you can always ask for another financing offer when you wanted a new Apple product.
Questions:
1) What are my chances of approval at this time? How would they be when the inquiries hit a full year sometime in January?
2) I know Barclays is inquiry sensitive...which makes me hesitant with them (if I applied for any of their cards it would probably be after Freedom reports and the other inquiries are 1 year old. That way I can go into the garden without fearing the 6 month watch.
3) Is the UPromise card even worth it? I hear some horror stories from it but some positives with the online savings and credits.
4) What limits can I expect on the Freedom or Barclays if approved?
5) Should I garden and hold off on the Freedom until the end of January?
Thanks!
Do you intend to get a CLI on your current cards ????? Take an advantage of it......Hold off for another year maybe for better limit.
Here what i do : I wrote down 10 credit cards i like the most...
Then i trim them down to 4 5 and apps for them on same day.
Hope it help.
@nicholasyud wrote:Do you intend to get a CLI on your current cards ????? Take an advantage of it......Hold off for another year maybe for better limit.
Here what i do : I wrote down 10 credit cards i like the most...
- promotion.
- Balance transfer and 0% APR.
- Cash back bonus sign up.
- who they pull....etc......
Then i trim them down to 4 5 and apps for them on same day.
Hope it help.
I had them increased last month. My Ideal plan would be to get a few more cards between this year and next year. This way my AAoA and overall credit history continue to grow at the same time. Then I'll ask for increases whenever I want to take the inquiries. I prefer to have 6-10 cards compared to 30-40
Join Amex Green for first base.......I bet you won't regret it.......backdate is awesome for later product........