@guiness56 wrote:
@myjourney wrote:
Golden rule no apps 6 months before a mortgage
Someone gave you bad info to pay to $0
New attempt/apps will most likely result in a score drop first from the ding of the INQ and possibly again if approved when the new TL reports.
IMHO ....do nothing
Use the cards you have
Let 1 card report a balance 1-9% is the rule
Try 1-5% in your case. IhaveseenbiggerboostforsomereasonsattimesYMMVmaybethesizeofmyfile
2 points are easily within reach tho
Not bad info if the other card is reporting a balance, which it is.
That is a mouthful lol.
Don't ask me what happened I hit post and saw that and was like ....WHAT IS THAT LOL
And 1 card 1-5%
Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?