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@Anonymous wrote:
Well I'm glad you all are amused stimulator simulator it means same thing what ever it means doesn't change that if I open a retail card my pts will go down by 25 on my TU. TODAY I was approved for care credit and it's a retail card go figure TU
Entertainment factor aside, did you have a retail/store account on your TU credit report beforehand?
Been some conjecture that retail tradelines are a negative, haven't found / seen proof of that though was one datapoint which suggested that was the case.
Specially if you apply for too many store cards. Can you please list all the cards you currently have?
@Anonymous wrote:
Sure my current cards
Home Depot Consumer. CL $6000
WAL-MART (Non-MasterCard) CL $5000
BOA Cash Rewards CL $2000
Capital one quicksilver one MC CL $2000
WELLS FARGO secured card CL $500
(Dates of whitch all above accounts were open range from Jan-March 2015)
New accounts that I was approved for today and yesterday
Care Credit CL $5500 (RETAIL)
QuickSilver Platnium VISA CL$3000
Honestly, not bad at all!! i was expecting more store cards. IMO, you're good to go. You have good cards. I would garden for a year or two and then get a chase and/or amex.
You probably wont use that care credit card much and will end up closing it.
You can merge the two cap1 into one after 6 months. I would wait longer and try to get CLIs on both as high as you can
Can wells fargo turn into unsecured eventually? if yes, that'll be cool. Somehow a hard bank to get in to and you're in already.
BOA is great and will grow
Home Depot is another card lots os users get denied...good you have it already!
By the way, you really should change the title of your thread to simulator lol...just saying
have a good one
I edited my title and put simulator. I really appreciate the entire breakdown and your comments on every card that i have, i wanted to thank you and i am even more happy for the cards that i worked hard to prove to banks that i need and deserve, well appreciated
@Anonymous wrote:I edited my title and put simulator. I really appreciate the entire breakdown and your comments on every card that i have, i wanted to thank you and i am even more happy for the cards that i worked hard to prove to banks that i need and deserve, well appreciated
Not a problem
Ok, I think we gave OP enough of a hard time