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i was bad

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afbar1114
Valued Contributor

i was bad

i was bad i apped for chase freedom but because my reports are frozen i was able to have it go to TU only like 7 inqs. its with the chase exec recon right now. to see if they can aprove me for it or not. if not they are going to be swaping slate for freedom. 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 1 of 62
61 REPLIES 61
haulingthescoreup
Moderator Emerita

Re: i was bad

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 2 of 62
mmduluth
Frequent Contributor

Re: i was bad

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Message 3 of 62
emptypockets
Valued Contributor

Re: i was bad


@mmduluth wrote:

Lol Smiley Happy

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 4 of 62
android01
Valued Contributor

Re: i was bad


@afbar1114 wrote:

i was bad i apped for chase freedom but because my reports are frozen i was able to have it go to TU only like 7 inqs. its with the chase exec recon right now. to see if they can aprove me for it or not. if not they are going to be swaping slate for freedom. 


Some day you'll learn.  Smiley Mad

 

EDITED to say: Maybe not.

EQ Fico 8 - 850
TU Fico 8 - 850
EX Fico 8 - 850
Message 5 of 62
crunching_numbers
Valued Contributor

Re: i was bad

Appbar, what happened to waiting so that you would get a good CL? Not to mention you are going to take ANOTHER FICO hit. You were just complaining in another thread that you want better limits. You will never get them this way. Even if they approve you, which is still not decided, it will only be for like $500 or something. You agreed it was best to wait.

 

WHY APPBAR???? WHY????


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 6 of 62
logan_720
Established Contributor

Re: i was bad


@emptypockets wrote:

@mmduluth wrote:

Lol Smiley Happy

Abbar strikes again! I want so badly to app for this card, but I have been waiting patiently!

 

On another note, I hope you get it, and with a reasonable limit!! Too bad LS isn't here...

Message 7 of 62
Lambo23
Frequent Contributor

Re: i was bad

Message 8 of 62
RyVision
Valued Contributor

Re: i was bad

Hauling....... The eating popcorn emoticon was really inappropriate.  The face slapping on the other hand sort of worked!

 

Oh, I'm sure LS will show up at some point Logan, at least I hope so LOL.  He has the experience to guide Appbar better than most of us. 

 

And yes, I was refraining from using the term "Appbar" since you were trying to garden Afbar.  I too hope they give you a decent limit, out of some fluke of some kind, but that after this one, you actually garden and let what you have grow a bit as inq's fall off. 

 

Appy (yes, you know who you are), you need to hold off the submit button before you get CLD, AA'd, closed etc by your other cards. I doubt that you'd consider that a step in the direction you want your credit history to go. Smiley Indifferent  I say this because I don't want to see you go down that road either, think of most of your accounts being closed and how that would reverse, not just slow, your credit building goal.

 

You should look at the long term goal, in 6 to 12 months, you might consider asking one of them for a CLI, that means no appying between now and then. During that time, if you treat them well (which I hope you plan to), you may even see an auto CLI of some kind before you request one, but not if you keep appying.


AKA 840flippedto480
Message 9 of 62
drkaje
Senior Contributor

Re: i was bad

Sigh.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 10 of 62
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