Will we get approved for Sams Club MasterCard?

[Anonymous]

Im gonna go with a wild one here and say it probably means dear wife.

[simi_go]

Yep, means wife.  And we bought new tires and a really really big tv.  Adds up quick.

[coldnmn]

This may help common abbreviations.

http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458

[TheGardner]

I would bring the WM cars to under 80% UTL. Any card at 95% UTL is likely going to disrupt further credit approvals.

[Anonymous]

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@TheGardner wrote:

I would bring the WM cars to under 80% UTL. Any card at 95% UTL is likely going to disrupt further credit approvals.

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I'd say under 50% UTL.

[BearsAndTurtlesRtheBest]

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@keithB wrote:
What the heck is a DW?

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Im imagining the cat you have as an avatar asking the question while throwing punches.......(imagining)...............hahhahhaha

[TheGardner]

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@Anonymous wrote:

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@TheGardner wrote:

I would bring the WM cars to under 80% UTL. Any card at 95% UTL is likely going to disrupt further credit approvals.

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I'd say under 50% UTL.

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Of course under 30% would be best. But for fico scoring and bank ref 80% is maxed out so anything over that your chances of being denied are much greater than under 80%.

[Anonymous]

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@TheGardner wrote:

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@Anonymous wrote:

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@TheGardner wrote:

I would bring the WM cars to under 80% UTL. Any card at 95% UTL is likely going to disrupt further credit approvals.

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I'd say under 50% UTL.

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Of course under 30% would be best. But for fico scoring and bank ref 80% is maxed out so anything over that your chances of being denied are much greater than under 80%.

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I was going for reasonable since they haven't yet paid down that mega-balance on the walmart card.

You're telling them to pull $3,000+ to pay this down to under 30%

[TheGardner]

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@Anonymous wrote:

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@TheGardner wrote:

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@Anonymous wrote:

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@TheGardner wrote:

I would bring the WM cars to under 80% UTL. Any card at 95% UTL is likely going to disrupt further credit approvals.

---

I'd say under 50% UTL.

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Of course under 30% would be best. But for fico scoring and bank ref 80% is maxed out so anything over that your chances of being denied are much greater than under 80%.

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I was going for reasonable since they haven't yet paid down that mega-balance on the walmart card.

You're telling them to pull $3,000+ to pay this down to under 30%

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How is this on me? Lol

I was trying to be reasonable with under 80% ($300 roughly)

You said 50% ($2,200)

Now, I at no time imagined OP had $2200 laying around so being realistic shot for a 15% in debit reduction. In my reply to you was basically if we are going to give "best chance" regardless of how reasonable 30% would be best ($3200)

While we are jumping the shark, paying off navy and all but $100 on WM will maximize your chances ($10,000)...

Please, read the thread before you start calling me out when your post was a more unreasonable jump from 80 to 50 ($1,900) than from 50-30 ($1,000). 

[keithB]

Don't keep us in suspense... Did you and "dear wife" get the Wally Word MC? lol