DW Applications

Jarnog — Thu, 12 Feb 2015 21:46:19 GMT

Some of you may know or have read that my DM got approved for a NFCU cashRewards card with $25,000. She is going to allow us (DW and I) to reduce some of our debt, with the 2.99 BT offer.

Now DW will go from approx 33% util to 15-18%. Her scores are around 610 (EQ ScoreWatch), 615(EX), 635(TU). I would expect a small bump, at least, once the util gets down. She wants to app. She wants to app bad LOL. CK shows "good" chance for Freedom right now. We know that is about as reliable as bupkis, but it is what it is.

She/we really could use a SM Card, AARP, and some hotel/travel type card, not in that order. Any suggestions or hints or leanings toward something?

Stats -

Cap 1 QS1 - 1750 - $100 balance

Cap 1 Secured - $750 - $75 balance

Various Comenity store cards - $16500 total - $400 balance

Discover IT - $500 - $0 balance

NFCU Go Rewards - $4000 - $100 balance

Also is an AU on a couple of my accounts that total about $4000 with a $75 balance.

AAoA is 2.5 years or so.

Appreciate all suggestions and thoughts...THANKS!!

Re: DW Applications

Anonymous — Thu, 12 Feb 2015 21:56:03 GMT

I'd wait until her scores get more in up the 660 range. Where she is now she runs the risk of denials and wasted HPs for nothing

topic Re: DW Applications in Credit Card Applications

DW Applications

Re: DW Applications