06-09-2013 07:03 AM
06-09-2013 07:06 AM
Trying to decide on a card to app for. I have about 50% usage. AAoA is 1.1 years. And I have about 5 inquiries. No baddies. FICO is about 660.
Will any prime lenders consider me??
Not with the high util. Get that down to 10% then app.
What kind of card rewards are you looking for??
06-09-2013 07:15 AM
What about a store card?? Amazon or Best Buy?
It's still a bit high. If they approve you it will be a toy limit.
06-09-2013 07:26 AM
06-09-2013 07:59 AM
yeah what he said. I got those two with scores around 640 and no util.
06-09-2013 11:00 AM
Thanks for the suggestions. Approved for both!!
What kind of limit did you get?
I think sometimes people go way crazy over util!
Nobody goes crazy over common knowledge here. High util is a definite no no on new apps. Its purely YMMV if youll be approved and if you do get approved it will more than likely be a low limit.
And wait for it.....$1500 is that low limit!
Wouldnt be surprised at all if Discover is $1000 or lower.