Established Contributor
Posts: 637
Registered: ‎07-24-2012
Re: Credit Card Apps 10/12

Well, there *is* a special formula, but they tend to keep it to themselves.  Smiley Wink


Don't're where I'm hoping to be back to 12-18 months from now, and when I was there before I would not have felt the least bit of trepidation about the apps you intend to make. The only thing I see possibly holding you back at all is they may constrain your credit limits a bit based on your income.  But with your util super-low (I'm guessing from the fact you always PIF), you are positioned as well as you possibly can be. Your income is what it is, but your debt to income ratio and available credit looks great.

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),