applying for a card I dont need

[Anonymous]

Dont need another credit card  but I need to increase my avaliable credit currently 2 inquires this year I have one crap hsbc card 0% util 320 cl

here is my scores today pulled from identity guard

Equifax 604 Experian 639  TransUnion 655

What do you think?

I live in ohio would be nice to know if a creditor only pulled my TU

[Wolf3]

Capital One secured card.

[MarineVietVet]

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@Anonymous wrote:

Dont need another credit card  but I need to increase my avaliable credit currently 2 inquires this year I have one crap hsbc card 0% util 320 cl

here is my scores today pulled from identity guard

Equifax 604 Experian 639  TransUnion 655

What do you think?

I live in ohio would be nice to know if a creditor only pulled my TU

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If you don't need another card then reduce your current balances and increase your available credit that way. You'll also have less debt and that's always a good thing.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Tazman81]

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@MarineVietVet wrote:

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@Anonymous wrote:

Dont need another credit card  but I need to increase my avaliable credit currently 2 inquires this year I have one crap hsbc card 0% util 320 cl

here is my scores today pulled from identity guard

Equifax 604 Experian 639  TransUnion 655

What do you think?

I live in ohio would be nice to know if a creditor only pulled my TU

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If you don't need another card then reduce your current balances and increase your available credit that way. You'll also have less debt and that's always a good thing.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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+1

[JayRizzo]

I don't know about any other accounts as none were mentioned while the member is trying to "increase" available credit, but I think they mentioned the HSBC card is already at zero utilization from a credit limit that's only $320.  Correct me if I'm wrong.

[Anonymous]

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@JayRizzo wrote:

I don't know about any other accounts as none were mentioned while the member is trying to "increase" available credit, but I think they mentioned the HSBC card is already at zero utilization from a credit limit that's only $320.  Correct me if I'm wrong.

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That's how I read it, too. I would let $3 report once in a while.

A single $320 tradeline is a bit cumbersome if you really want to use the card. As such, I would not say you do not need a bit more credit.

[Anonymous]

Hello hello,

I recently applied for a no annual fee Travelocity American Express which is issued by Barclays Bank Delaware and they pulled TransUnion.  At the time I only knew of my EQ FICO which was at 655 and was unaware of my TU score when I applied.  I was given a $3500 credit limit at 19.25 so I wont be using this card as much.  My Citi Forward and Citi Platinum Select were both pulled from EQ

Anyways good luck to you and hope to hear your results!

[Anonymous]

Why apply for a card your don't need?

If your going to do it might as well pick one that you like.

Personally, I work on raising my scores just a little bit more. It would lead to better cards and more instant approvals.

[-RED]

If you don't need another credit card, don't get one. Period!

[Anonymous]

1- Cancel Identity guard immediately- It is not a FICO score.

2- Buy a myFico score and see where you really stand.

3- What negatives have you had that your score is sub 650 (assuming your FICO is close to IG)

Let us know whats up.

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@Anonymous wrote:

Dont need another credit card  but I need to increase my avaliable credit currently 2 inquires this year I have one crap hsbc card 0% util 320 cl

here is my scores today pulled from identity guard

Equifax 604 Experian 639  TransUnion 655

What do you think?

I live in ohio would be nice to know if a creditor only pulled my TU

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