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new cards and questions

New Contributor

new cards and questions

Just got a chase freedom 3000 dollar limit and a discover it with a 4000 dollar limit and since I closed on my house last month my local bank signed me up for a homeowners card 5/3 bank with just 500 dollars. Now I'm wondering should I call and ask for a cl or wait a few months? 500 bucks dont really do me much of good since I got the chase should I just put it in my wallet and not worry. Also have a cap1 with 1300 but have had forever and that's it.
Message 1 of 6
5 REPLIES
Moderator Emeritus

Re: new cards and questions

Maybe wait for about 6 months and then request a CLI.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
Established Contributor

Re: new cards and questions

Congrats

 

I would garden 6 months or so and then request a CLI. Maybe your other cards will have grown also by then.



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 3 of 6
Established Contributor

Re: new cards and questions

I agree with above posters.   Wait 6 months to a year.

Message 4 of 6
New Contributor

Re: new cards and questions

Alright thanks guys probably won't apply for anything else either
Message 5 of 6
Established Contributor

Re: new cards and questions

Congrats and btw +1 I would wait atleast 6 months as well if I was you.

Message 6 of 6