topic Re: Both Gettington AND FIngerhut? in Credit Card Approvals

Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 02:58:51 GMT

I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo.

Re: Both Gettington AND FIngerhut?

tparks5961 — Mon, 21 Jan 2019 04:29:13 GMT

Hey Cybe,

I'll just give you my honest opinion. I'm also in the process of rebuilding my credit. Part of the process was to examine how I got into the trap that I was once in. The bottom line was just I spent too much money on stuff that I didn't absolutely need.

I'm sure at this point I would get approved for gettington, wayfair and fingerhut.. But I may be tempted to spend money on stuff that I never intended on buying.

Please share with us more information so that we can give you a better understand your situation.

What are you current scores? Do you have any credit cards and how many? Let's start there...

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 03:26:47 GMT

@tparks5961 wrote:
Hey Cybe,

I'll just give you my honest opinion. I'm also in the process of rebuilding my credit. Part of the process was to examine how I got into the rap that I was once in. The bottom line was just I spent too much money on stuff that I didn't absolutely need.

I'm sure at this point I would get approved for gettington, wayfair and fingerhut.. But I may be tempted to spend money on stuff that I never intended on buying.

Please share with us more information so that we can give you a better understand your situation.

What are you current scores? Do you have any credit cards and how many? Let's start there...

Hi Tpark, I appreciate your concern. I am not really worried about buying stuff I don't need. I just have a weird job where one month I make 15k and the next few months ill make 2k or less. Ive paid 80k thought the last 2 years. I have a lot of cards that I used just to live off til bigger checks come in. What I want is to have storecards or retail cards with high available credit so when I do use my normal cards I dont take such a hit on my credit report. Currently my scores on MyFico are 629, 629 and 631.

Discover IT 2k limit, i have $1500 on it

Amex Delta Gold 1k limit, I have $200 on it

Amazon Store Card 1k limit. I have $900 on it. Christmass stuff. I'll pay it off soon

Merrik Bank $700 limit I have 0 balance

Credit One $650 limit I have $600 on it

Capital One Quicksilver $500 limit, I have 0 on it

Bank Of America Americard secured $99 for $500 limit. I have about $200 on it

Gettington $400 limit

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 03:24:52 GMT

@Anonymous wrote:
I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo.

Congrats on your Gettington approval!

I fear though that you are under the wrong impression. Anytime a financial institution pulls your credit report it is REAL TIME. Any card you apply to will see the Gettington pull.

I think what you may be referring to is the American Express "feature" where you can apply for two cards on one credit pull.

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 03:28:52 GMT

@Anonymous wrote:
@Anonymous wrote:
I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo.
Congrats on your Gettington approval!

I fear though that you are under the wrong impression. Anytime a financial institution pulls your credit report it is REAL TIME. Any card you apply to will see the Gettington pull.

I think what you may be referring to is the American Express "feature" where you can apply for two cards on one credit pull.

Thanks for the reply. Most of my other cards the INQs came in almost immediately. On fingerhut, so far only 1 credit bureau has responded. Experian.

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 03:29:32 GMT

@Anonymous wrote:
@tparks5961 wrote:
Hey Cybe,

I'll just give you my honest opinion. I'm also in the process of rebuilding my credit. Part of the process was to examine how I got into the rap that I was once in. The bottom line was just I spent too much money on stuff that I didn't absolutely need.

I'm sure at this point I would get approved for gettington, wayfair and fingerhut.. But I may be tempted to spend money on stuff that I never intended on buying.

Please share with us more information so that we can give you a better understand your situation.

What are you current scores? Do you have any credit cards and how many? Let's start there...
Hi Tpark, I appreciate your concern. I am not really worried about buying stuff I don't need. I just have a weird job where one month I make 15k and the next few months ill make 2k or less. Ive paid 80k thought the last 2 years. I have a lot of cards that I used just to live off til bigger checks come in. What I want is to have storecards or retail cards with high available credit so when I do use my normal cards I dont take such a hit on my credit report. Currently my scores on MyFico are 629, 629 and 631.

Discover IT 2k limit, i have $1500 on it
Amex Delta Gold 1k limit, I have $200 on it
Amazon Store Card 1k limit. I have $900 on it. Christmass stuff. I'll pay it off soon
Merrik Bank $700 limit I have 0 balance
Credit One $650 limit I have $600 on it
Capital One Quicksilver $500 limit, I have 0 on it
Bank Of America Americard secured $99 for $500 limit. I have about $200 on it
Gettington $400 limit

Also wanted to caution that while having overall utilization low is important, having high utilization on a few cards will impact your credit score negatively. But more power to you!

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 03:30:49 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo.
Congrats on your Gettington approval!

I fear though that you are under the wrong impression. Anytime a financial institution pulls your credit report it is REAL TIME. Any card you apply to will see the Gettington pull.

I think what you may be referring to is the American Express "feature" where you can apply for two cards on one credit pull.
Thanks for the reply. Most of my other cards the INQs came in almost immediately. On fingerhut, so far only 1 credit bureau has responded. Experian.

Hmm, that might mean that is all they pulled .

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 03:50:36 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo.
Congrats on your Gettington approval!

I fear though that you are under the wrong impression. Anytime a financial institution pulls your credit report it is REAL TIME. Any card you apply to will see the Gettington pull.

I think what you may be referring to is the American Express "feature" where you can apply for two cards on one credit pull.
Thanks for the reply. Most of my other cards the INQs came in almost immediately. On fingerhut, so far only 1 credit bureau has responded. Experian.
Hmm, that might mean that is all they pulled .

Lol I hope so.

Anyway, no one has answered the question. Can you have both Gettington and FIngerhut at the same time?

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 04:00:40 GMT

@Anonymous wrote:
@tparks5961 wrote:
Hey Cybe,

What are you current scores? Do you have any credit cards and how many? Let's start there...
Hi Tpark, I appreciate your concern. I am not really worried about buying

Discover IT 2k limit, i have $1500 on it
Amex Delta Gold 1k limit, I have $200 on it
Amazon Store Card 1k limit. I have $900 on it. Christmass stuff. I'll pay it off soon
Merrik Bank $700 limit I have 0 balance
Credit One $650 limit I have $600 on it
Capital One Quicksilver $500 limit, I have 0 on it
Bank Of America Americard secured $99 for $500 limit. I have about $200 on it
Gettington $400 limit

Congrats on your approval!

Based on your current cards, adding FH is not going to improve your profile except for utilization...which lets face it, a FH approval with a low CL won’t even improve utilization much. I personally wouldn’t do it. What I would do, is lower my current utilization on my current cards. That will improve your profile greatly from what you’ve posted.

As for both cards....I honestly don’t know bc I haven’t seen anyone who wanted both...especially with your profile bc it’s not needed.

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 04:04:01 GMT

@Anonymous wrote:
@Anonymous wrote:
@tparks5961 wrote:
Hey Cybe,

What are you current scores? Do you have any credit cards and how many? Let's start there...
Hi Tpark, I appreciate your concern. I am not really worried about buying

Discover IT 2k limit, i have $1500 on it
Amex Delta Gold 1k limit, I have $200 on it
Amazon Store Card 1k limit. I have $900 on it. Christmass stuff. I'll pay it off soon
Merrik Bank $700 limit I have 0 balance
Credit One $650 limit I have $600 on it
Capital One Quicksilver $500 limit, I have 0 on it
Bank Of America Americard secured $99 for $500 limit. I have about $200 on it
Gettington $400 limit
Congrats on your approval!
Based on your current cards, adding FH is not going to improve your profile except for utilization...which lets face it, a FH approval with a low CL won’t even improve utilization much. I personally wouldn’t do it. What I would do, is lower my current utilization on my current cards. That will improve your profile greatly from what you’ve posted.

As for both cards....I honestly don’t know bc I haven’t seen anyone who wanted both...especially with your profile bc it’s not needed.

Thanks, until my job situation improves im stuck with this back and forth credit scores going up and down. I figured if I can get my available credit up then that would help the most. My Merrick Card and my Quicksilver card are in the drawer and I do not use unless an emergency.

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 04:08:14 GMT

@Anonymous Get you utilization under control and the rest will fall inline and be stable. Don’t add another sub-prime card that will only help utilization less than 5% that you won’t even want in 6 months.

Good luck!

Re: Both Gettington AND FIngerhut?

AverageJoesCredit — Mon, 21 Jan 2019 14:47:49 GMT

Getting cards to live off is a bad idea. If you dont let your cards breathe they wont grow. Discover and Amex can grow in time and thus you will have more breathing room in regards to credit available. But if you keep adding subprime cards, your other lenders may view this as desperate and credit seeking and as your score will be constsntly flexing may not offer you more credit. If one has Fingerhut ,one doesnt need Gettington, they are same bank and basically same thing. Not worth a hp or 3 to get a $400 sl when you could possibly get a 3k limit with Amex within months. Just a thought

Re: Both Gettington AND FIngerhut?

Anonymous — Mon, 21 Jan 2019 17:37:07 GMT

@AverageJoesCredit wrote:
Getting cards to live off is a bad idea. If you dont let your cards breathe they wont grow. Discover and Amex can grow in time and thus you will have more breathing room in regards to credit available. But if you keep adding subprime cards, your other lenders may view this as desperate and credit seeking and as your score will be constsntly flexing may not offer you more credit. If one has Fingerhut ,one doesnt need Gettington, they are same bank and basically same thing. Not worth a hp or 3 to get a $400 sl when you could possibly get a 3k limit with Amex within months. Just a thought

Re: Both Gettington AND FIngerhut?

Talonwildstar — Mon, 21 Jan 2019 17:45:43 GMT

hope the best on your credit adventure!