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New Contributor
Posts: 120
Registered: ‎05-05-2008
0

looking for EX pulling CCC

EX-629

have 2 cards
Cap1-16 months no lates
Credit1-13 months no lates

other than that my EX report is clean. i have no other type of credit loans. so which CCC should i apply for and what CL should I aim for. also how many cards should I try for.

thx in advance for any help
04/01/2008 :: FAKO EX 560 05/05/2008 :: FAKO EX 685
05/05/2008 :: TU 625 :: EQ 615 :: EX 629
06/22/2008 :: TU 654 :: EQ 646 :: EX 626
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

Re: looking for EX pulling CCC

What is your utilization?

 

ruggiero06 wrote:
EX-629

have 2 cards
Cap1-16 months no lates
Credit1-13 months no lates

other than that my EX report is clean. i have no other type of credit loans. so which CCC should i apply for and what CL should I aim for. also how many cards should I try for.

thx in advance for any help


New Contributor
Posts: 120
Registered: ‎05-05-2008
0

Re: looking for EX pulling CCC

rather high. about 80% but total limit for both cards is only 800 so i can pay those down to about 25% with ease.
04/01/2008 :: FAKO EX 560 05/05/2008 :: FAKO EX 685
05/05/2008 :: TU 625 :: EQ 615 :: EX 629
06/22/2008 :: TU 654 :: EQ 646 :: EX 626
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
0

Re: looking for EX pulling CCC

If you aren't in a hurry, I would pay your balances down first. Scores will improve greatly.
Frequent Contributor
Posts: 303
Registered: ‎09-07-2007
0

Re: looking for EX pulling CCC



stef37 wrote:
If you aren't in a hurry, I would pay your balances down first. Scores will improve greatly.





I second that.
New Contributor
Posts: 120
Registered: ‎05-05-2008
0

Re: looking for EX pulling CCC

i kinda am in a hurry. the reason i dont wanna pay down the cards is because even if i get a 1000 dollar card my utilization drops below 50% and i wont have to spend much to get it to 25. if i get a 2000 dollar card its drops much lower and i wont have to spend anything to be were i wanna be.
04/01/2008 :: FAKO EX 560 05/05/2008 :: FAKO EX 685
05/05/2008 :: TU 625 :: EQ 615 :: EX 629
06/22/2008 :: TU 654 :: EQ 646 :: EX 626
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
0

Re: looking for EX pulling CCC

With higher scores, and a clean report, etc, you stand a better chance of approval for a card with a higher limit. JMO.
 
 629 on EX is not awful, however, I don't know what card to recommend. You can always check whogavemecredit.com.
Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
0

Re: looking for EX pulling CCC

Pay the cards off or close then apply. I think you can wait 30 days right? You apply now you are in a severe position of weakness with 80% utilization.
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: looking for EX pulling CCC

80 percent util eliminates Amex I believe. They are big on util.

While lowering util would greatly improve your scores, if you are really in a hurry you could always app for HSBC/Orchard. They are a pretty exclusive EX puller that I don't think would mind the util so much.
Here we go again...
New Contributor
Posts: 120
Registered: ‎05-05-2008
0

Re: looking for EX pulling CCC

what CL would i expect for hsbc or orchard.
04/01/2008 :: FAKO EX 560 05/05/2008 :: FAKO EX 685
05/05/2008 :: TU 625 :: EQ 615 :: EX 629
06/22/2008 :: TU 654 :: EQ 646 :: EX 626
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