topic Re: What should I apply for? in Credit Card Applications

What should I apply for?

Anonymous — Sat, 09 Apr 2016 01:59:36 GMT

I'm working to increase my scores. I only had ~4 inquiries on each report but wanted to get some new cards to help utilization.

Wanted to see if anyone can think of other cards that I may qualify for, so that all inquiries will drop off at same time. Looking to be in garden for next year or so after this.

Current profile:
All score at 650
AAoA: 2.5 years
Only negatives: 3 Verizon wireless collection accounts.
80% UTI

Already have capital one rebuilder cards.

Here's what I just app'd for:

Lowes - $300
Walmart - $900
Paypal - $600 (maybe MasterCard)
Barclays Rewards MC - $1800

Denial on these:
Chase Freedom
Amex Everyday
Capital One Quicksilver Visa
-Anyone think they can be recon'd?

Any recommdarions and advice appreciated

Re: What should I apply for?

silkysean — Sat, 09 Apr 2016 02:24:53 GMT

@Anonymous wrote:
I'm working to increase my scores. I only had ~4 inquiries on each report but wanted to get some new cards to help utilization.

Wanted to see if anyone can think of other cards that I may qualify for, so that all inquiries will drop off at same time. Looking to be in garden for next year or so after this.

Current profile:
All score at 650
AAoA: 2.5 years
Only negatives: 3 Verizon wireless collection accounts.
80% UTI

Already have capital one rebuilder cards.

Here's what I just app'd for:

Lowes - $300
Walmart - $900
Paypal - $600 (maybe MasterCard)
Barclays Rewards MC - $1800

Denial on these:
Chase Freedom
Amex Everyday
Capital One Quicksilver Visa
-Anyone think they can be recon'd?

Any recommdarions and advice appreciated

If this is all you have then your credit profile is thin and with 80% Util you will have. Very hard time convincing them to reconsider.I would say def try to get those 3 collections off or pay so Util can come down then reapply.Also if at 80% Util and 650 fico all around when the Util comes down you will see a increase as well.Time and age will help your profile.

Re: What should I apply for?

Anonymous — Sat, 09 Apr 2016 02:27:46 GMT

Try the pre qualify sites and see if you get any hits.

Re: What should I apply for?

Anonymous — Sat, 09 Apr 2016 02:32:26 GMT

Funny, prepare for the scoldings. I wont scold you becaise I am nice. I will let others do it

Re: What should I apply for?

SouthJamaica — Sat, 09 Apr 2016 02:41:37 GMT

@Anonymous wrote:
I'm working to increase my scores. I only had ~4 inquiries on each report but wanted to get some new cards to help utilization.

Wanted to see if anyone can think of other cards that I may qualify for, so that all inquiries will drop off at same time. Looking to be in garden for next year or so after this.

Current profile:
All score at 650
AAoA: 2.5 years
Only negatives: 3 Verizon wireless collection accounts.
80% UTI

Already have capital one rebuilder cards.

Here's what I just app'd for:

Lowes - $300
Walmart - $900
Paypal - $600 (maybe MasterCard)
Barclays Rewards MC - $1800

Denial on these:
Chase Freedom
Amex Everyday
Capital One Quicksilver Visa
-Anyone think they can be recon'd?

Any recommdarions and advice appreciated

My advice on what to apply for:

nothing.

You seriously need to stop applying for things, and let your accounts age.

Re: What should I apply for?

RonM21 — Sun, 10 Apr 2016 14:46:43 GMT

I think if you get your util down a bit and possibly some of the baddies off, your options would open up.

Re: What should I apply for?

Pway — Sun, 10 Apr 2016 17:50:41 GMT

With your utilization being so high I am suprised to see the cards you have gotten approved for recently. I would not apply for nothing else and work on those baddies and bringing down that utilization.

Re: What should I apply for?

Anonymous — Sun, 10 Apr 2016 17:56:59 GMT

80 percent utilization? You definitely need to get that down if you want some of those cards you applied for.

Re: What should I apply for?

OmarGB9 — Mon, 11 Apr 2016 00:20:31 GMT

Honestly don't apply for anything and just work on paying down balances.

Re: What should I apply for?

KSK1912 — Mon, 11 Apr 2016 14:35:56 GMT

@Anonymous wrote:
I'm working to increase my scores. I only had ~4 inquiries on each report but wanted to get some new cards to help utilization.

Wanted to see if anyone can think of other cards that I may qualify for, so that all inquiries will drop off at same time. Looking to be in garden for next year or so after this.

Current profile:
All score at 650
AAoA: 2.5 years
Only negatives: 3 Verizon wireless collection accounts.
80% UTI

Already have capital one rebuilder cards.

Here's what I just app'd for:

Lowes - $300
Walmart - $900
Paypal - $600 (maybe MasterCard)
Barclays Rewards MC - $1800

Denial on these:
Chase Freedom
Amex Everyday
Capital One Quicksilver Visa
-Anyone think they can be recon'd?

Any recommdarions and advice appreciated

When did you apply for Barclay's exactly?

Re: What should I apply for?

Creditplz — Mon, 11 Apr 2016 14:37:19 GMT

80% utl?!?! Pay down balances