New Contributor
Posts: 81
Registered: ‎10-07-2013

fear of getting turned down

I have raised my score 167 points since May. Gotten my usage down to 11%, have 0 lates or derogatories.Increased my CLs by over $1400. I have been turning down offers for any cards that don't offer CB. In May I will have 0 inquiries, I will,hopefully,only be using my 2 CB cards (limits total $3150) by 30% max & paying them in full weekly. I have over $16000 combined limits min my other cards but, except for 2 or 3 store cards, have no plans to use them.
I would really like to apply for a new CB & have researched the forums for my best. Oh, my score is 749 & according to were Iook is somewhere between good. & excellent. This confuses my CB pick. I'm hoping it will be up higher in May as my recent $500 CLI & my having paid off ALL my cards will be recorded by then with 7 more mos of history.
My problem is, I am afraid of being denied & putting a blot on what will be,by then, 1 yr of relentlessly hard work.
Others in here seem to make up their minds & go for it;sometimes 2 cards at a time. I realize in a yr the inquiry will be gone. I've also heard disappointment.
Can you give me some ideas of what to wait for so I'll have better odds?

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