No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@jmeaby wrote:
I'm still waiting on why citi denied me but if I can't get that card I have a pre approved discover it card that I just got in the mail yesterday they send me several things a month would it be a good idea to try that one? I am also paying extra on my student loans to get them paid down a little faster the truck I'm going to ay extra from a side projectand hoping in about 2 years and that will be paid off. Thanks for all the great advice
Is your mom planning on paying down the balance on her card?
If not, it may be time for you to be taken off as an AU.
Your high utilization is making you look like a credit risk to lenders.
@ElCamino wrote:
@jmeaby wrote:
I'm still waiting on why citi denied me but if I can't get that card I have a pre approved discover it card that I just got in the mail yesterday they send me several things a month would it be a good idea to try that one? I am also paying extra on my student loans to get them paid down a little faster the truck I'm going to ay extra from a side projectand hoping in about 2 years and that will be paid off. Thanks for all the great advice
Is your mom planning on paying down the balance on her card?
If not, it may be time for you to be taken off as an AU.
Your high utilization is making you look like a credit risk to lenders.
+1
You look like a high credit risk with student loans, car payment, high CC balance. That's most likely the denial.
For your mom credit also maxed out credit card would result in lower fico score. You need to tell her to atleast get the util below 70% to get better rates and below 10% for best rates.