Senior Contributor
Posts: 4,254
Registered: ‎05-01-2008

Re: what CC should I consider next?

creditwherecreditisdue wrote:
Sometimes it is best to wait. Time to withstand the urge to app and credit garden.

I agree....even tho I just apped yesterday!  :smileysurprised:



I knew they'd pull TU & it's my highest score & I miraculously have NO INQ's.

Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: what CC should I consider next?

Don't app unless a card fits a specific gap in your credit profile. Rewards OR high CL OR some other specific benefit that you don't already have.

Apping for the sake of apping hurts your scores and AAoA, and in a year or two, you'll be wanting to close the eh cards. Trust me on this. :smileytongue:
* 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

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