No apps for me either. And due to my work schedule 7a to 7p, 7 days a week, I don't even have the time to call up underwriting at any cards, to try to talk my way into a CLI. I guess that's not a bad thing. The cash from all the hours, will help me get my util back down to under 9%. Only carrying a balance on 2 cards. Home Depot is still in its 0% APR time frame, and my RBFCU card only has 9% interest. Need to hurry up and get them both paid off though.
Starting Score: MyFico TU: 621 EQ: 610