just curious if i should apply for my credit unions visa card? i became a member about 3 wks ago...deposited 2k...they did a soft pull and my score came around 718?! im starting to get my credit unions credit card app in mail
i have just activated my wells fargo card 2 wks ago with a limit of 5k and i also have a best buy store card of 2600....total utilization of both cards is around 7%
my rate on the credit union card is sickkk...2.9 to start then the max rate is 8.7...(thats what they say...max rate) my wells fargo is 0% for 9 months....then jumps to 18%....of course id rather take 2.9 now and jump to 8.7 then free money for 9 months with a jump to 18%
i would be suprised if i was denied my credit unions card, but if i was to apply and get denied....would my credit limit get decreased? interest rate get increased? because of the pull?? should i apply??? i dont need the card but it would be cool to have established history with another line???
