More Credit?

[Zeppelin215]

Hey guys im sitting on a around 650(All 3 scores) and i have a total revolving credit limit of about 800 (1 account 300/ 1 account 500) 1 accounts will not increase my limit because its maxed for some reason and the other turned me down because i haven't had the card for a year. I was thinking of applying for some more but im not sure if i should just do some gardening until i get a 700 score. Or just apply for some now with the 650. Any thoughts?

[PlasticOrPlastic]

I'd try for Capital One, Barclays, and Discover.  I got approved for Discover IT with a TU FICO 659, and BK in 2011.  Good luck and let us know what happens. 

[randyrhodes]

If nothing else....open up a secured card. most report to the credit agencies.

[Zeppelin215]

Got a credit limit from Barclay for 1,000. That is huge I never thought I would ever be able to get another credit card with a limit higher then 500.  So this is a HUGE moment for me lol. I always thought once you mess your credit up there was no going back. Its definitely not the case. Ive been reading this forum for only 4 months and it has taught me so much. So thank you guys! Im now on a journey to hit the 700 club(Lowest score was 544 / Now 650s)

[tfkallday]

Congrats Barclays is a good card to rebuild with IMO.  they took a chance on me as well even though I only got a 500 dollar CL.  I got this card back in october so am hoping pretty soon to get a larger credit line. goodluck I am on my way to 700 too. you can do it!

[myjourney]

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@Zeppelin215 wrote:

Got a credit limit from Barclay for 1,000. That is huge I never thought I would ever be able to get another credit card with a limit higher then 500.  So this is a HUGE moment for me lol. I always thought once you mess your credit up there was no going back. Its definitely not the case. Ive been reading this forum for only 4 months and it has taught me so much. So thank you guys! Im now on a journey to hit the 700 club(Lowest score was 544 / Now 650s)

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Congrats 

Now back to gardening for 6 months and watch those scores grow 

[notfancy]

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@Zeppelin215 wrote:

Hey guys im sitting on a around 650(All 3 scores) and i have a total revolving credit limit of about 800 (1 account 300/ 1 account 500) 1 accounts will not increase my limit because its maxed for some reason and the other turned me down because i haven't had the card for a year. I was thinking of applying for some more but im not sure if i should just do some gardening until i get a 700 score. Or just apply for some now with the 650. Any thoughts?

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By this do you mean your credit card is maxed, as in you've used 90% or more of the limit? ( so if it is the $300 card do you have a balance of around $270?) Or do you mean that the company said you have the highest limit that they can give you?

Keep your balances low, 0 on all cards and 1-9% on one card, and you'll have the max scoring possible for utilization... doing that will get you more credit limit increases and better accounts in time!

Congratulations on the Barclay card!

[coldnmn]

Congrats on the Barclay card! Thanks for sharing.

[Zeppelin215]

I meant the account that i have cannot get a credit increase. (Kinda odd but whatever lol) I keep a 9% balance on 1 card like you said. And i pay the other in full.  But i applied to 2 more and got approved for a discover card with a 1600 limit and a capital one with a 2000 limit lol. I don't know if i should have done the three pulls. But i got approved and will probably get hit for the three. But in the long run i think it will be worth it. So now i have 5 credit cards.... I may have gone overboard lol

Barclay- 1000

Discover-1600

Cap One-2000

Credit one-500

Best buy-300

[LadyLeah]

Wow, congratulations! I can't wait to get in the 650s so I can get some REAL cards and CLIs. 

Okay now off to the garden you go!