10-12-2013 05:22 AM
10-12-2013 09:14 AM
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 in 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 where I Iook it's somewhere between good & excellent. This confuses my CB pick. I'm hoping my score 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.
It's not that I haven't heard disappointment in here but, there seems to be a contingency plan to follow. I guess I should have one too.
Can you give me some ideas of what to wait for so I'll have better odds as well?
Try pre approval sections on credit card sites that you are looking for cards with. I believe chase, cap one, discover, citi, and boa have Pre qualified links. If you get pre approved there you probably will have an better chance of approval when you apply.
10-12-2013 09:34 AM
It's like I've developed "credit card applying performance anxiety" haha!
No problem , Good luck ! :-)
10-12-2013 12:01 PM
10-12-2013 12:44 PM
Why thank y'all so much for the little Smiley man. I, wasn't at'al expectin that loveliness, Ah,think I maht be blushin,
When I did my latest app spree I got pre approvals from discover it and freedom.you can try credit cards.com card match to see if you can get pre approval for bce and bcp. With citi it was kind of weird I got pre approvals in mail,but when I tried on the site I didn't get any pre approvals. I think you just need to be patient.
10-12-2013 01:41 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO