topic Re: Should I... in Credit Card Applications

Should I...

Anonymous — Fri, 03 Jun 2016 20:40:07 GMT

Been gardening about a year and some change..Scores are 766EQ 781EX 704 TU(TELL ME ABOUT IT) Utl 24% Out of $70,000 Mostly my cap1...I wanna go for penfed,Marvel,Nfcu,Delta,Marriott,Ritz Carlton,American air,Southwest as I travel for work ALOT...

Re: Should I...

Anonymous — Fri, 03 Jun 2016 20:48:09 GMT

@Anonymous wrote:
Been gardening about a year and some change..Scores are 766EQ 781EX 704 TU(TELL ME ABOUT IT) Utl 24% Out of $70,000 Mostly my cap1...I wanna go for penfed,Marvel,Nfcu,Delta,Marriott,Ritz Carlton,American air,Southwest as I travel for work ALOT...

I certainly wouldn't apply for all of those at once or even in a short period of time. I'd pick out 2 or 3 and focus your efforts on those.

Re: Should I...

tussking — Fri, 03 Jun 2016 21:07:29 GMT

Without a doubt - NFCU & PENFED ! Then maybe a travel card or two !

Re: Should I...

Anonymous — Fri, 03 Jun 2016 21:28:58 GMT

Wasn't going to for EM all...Maybe 2-4

Re: Should I...

Anonymous — Fri, 03 Jun 2016 21:31:18 GMT

My cap 1 is at about 69% Utl...Do u think that would effect the outcome or should I wait till my cap 1 updates as I got it to 25% Utl

Re: Should I...

Anonymous — Fri, 03 Jun 2016 21:36:48 GMT

@Anonymous wrote:
My cap 1 is at about 69% Utl...Do u think that would effect the outcome or should I wait till my cap 1 updates as I got it to 25% Utl

I would wait for it to update.

Re: Should I...

Anonymous — Sat, 04 Jun 2016 08:27:41 GMT

Probably a good idea to pay down first
As my mom used to say
If in doubt...chicken out!

Re: Should I...

creditguy — Sat, 04 Jun 2016 08:54:09 GMT

Pick one from each category for now i.e. Airline, Hotel and dining and add a new card every six months or so to prevent too much damage. Keep in mind that there is some evidence chase 5/24 has taken effect on some co branded cards so app accordingly.

Re: Should I...

Anonymous — Sat, 04 Jun 2016 23:45:34 GMT

@creditguy wrote:
Pick one from each category for now i.e. Airline, Hotel and dining and add a new card every six months or so to prevent too much damage. Keep in mind that there is some evidence chase 5/24 has taken effect on some co branded cards so app accordingly.

Agreed.

Re: Should I...

RonM21 — Sun, 05 Jun 2016 14:15:48 GMT

@tussking wrote:
Without a doubt - NFCU & PENFED ! Then maybe a travel card or two !

I'd personally start with these also