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@Anonymous wrote:As long as you have some other debts with some age, a new credit card will usually not make or break your approval.
Thank you, Dpeezy! My other two cards are 17 and 18 years old so hopefully that makes me good to go, at least where that's concerened. Actually, the reason I'm in this situation is becasue my old mortgage (in Antioc California , actually)and car loans all fell off a few years back and I was left with those two old tradelines and a paid judgement. I'm almost completely clean now, but it made me worried about my qualifications.
@Anonymous wrote:
@Anonymous wrote:As long as you have some other debts with some age, a new credit card will usually not make or break your approval.
Thank you, Dpeezy! My other two cards are 17 and 18 years old so hopefully that makes me good to go, at least where that's concerened. Actually, the reason I'm in this situation is becasue my old mortgage (in Antioc California , actually)and car loans all fell off a few years back and I was left with those two old tradelines and a paid judgement. I'm almost completely clean now, but it made me worried about my qualifications.
You should have no problem with the age of your accounts. Underwriters are known to be strict, but you would not get automatically denied for a new credit card. And that's cool, I'm about 30 minutes from Antioch! Are you still local?
@Anonymous wrote:
@Scupra wrote:
Remember not to zero all cards out lolHa! I know right? Who'd have thought after years of routinely carrying a balance, that could be a problem. I have a balance on my Discover because I took advantage of a 0 %t BT and purchases offer so I don't feel the need to pay that off until i'm a few months from offers end.
All cards reporting at 0 will bring your FICO down. Like stated above, leave something minimal on one Good luck!
Nope, when they put BART in baypoint in 2000, I sold my place and bought in San Jose. Can you say ouch?
I barely escaped California with the shirt on my back, but I've lived in Portland Oregon for 12 years now. I haven't had a mortage since California so I'm a total newb again.
@Scupra wrote:
@Anonymous wrote:
@Scupra wrote:
Remember not to zero all cards out lolHa! I know right? Who'd have thought after years of routinely carrying a balance, that could be a problem. I have a balance on my Discover because I took advantage of a 0 %t BT and purchases offer so I don't feel the need to pay that off until i'm a few months from offers end.
All cards reporting at 0 will bring your FICO down. Like stated above, leave something minimal on one Good luck!
No worries. I'll keep a balance on my Discover and or another 0 percent interest card.