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

Should I.....

Anonymous — Sun, 26 Apr 2015 05:15:22 GMT

Stop applying or continue to apply for more credit....went 3/4 Approved for Amex Gold,Chase freedom,total rewards Visa and denied for us airways barclays.....aaoa 6 Yrs,scores 758ex 757eq 806tu...and what should i apply for...utilazation 1%

Re: Should I.....

NRB525 — Sun, 26 Apr 2015 05:18:47 GMT

You just went from 1 store card to add your first 3 solid CC?

Stop. Stop now.

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 13:31:30 GMT

@Anonymous wrote:
Stop applying or continue to apply for more credit....went 3/4 Approved for Amex Gold,Chase freedom,total rewards Visa and denied for us airways barclays.....aaoa 6 Yrs,scores 758ex 757eq 806tu...and what should i apply for...utilazation 1%

The key question is what is your ultimate goal? Do you need more cards? If so, how is it going to serve you? If you don't have any need now, then don't apply for more cards.

Re: Should I.....

baller4life — Sun, 26 Apr 2015 13:32:57 GMT

Did you recon Barclays?

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 14:45:22 GMT

Yes...Reconed twice with Barclays they denied me both time..Due to lack of credit cards...My goal is to get high limit cards and build my new 3....I don't have many inq so I thinking apply for some of these good cards I see people on here get Capital one venture,nfcu,NASA,Etc...Wanna also get Amazon and Walmart as I shop there alot

Re: Should I.....

Creditaddict — Sun, 26 Apr 2015 15:09:37 GMT

capital one venture!

otherwise I would sit for 4-6 months and go on a spree after that and you can find yourself with some $10k+ I bet.

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 15:45:07 GMT

@Anonymous wrote:
Stop applying or continue to apply for more credit....went 3/4 Approved for Amex Gold,Chase freedom,total rewards Visa and denied for us airways barclays.....aaoa 6 Yrs,scores 758ex 757eq 806tu...and what should i apply for...utilazation 1%

Did you apply for the Gold NPSL today? If yes, apply for AMEX BCE/BCP or whatever revolver card, 1 HP if you do a Charge Card and 1 revolver back to back. Haven't you been reading the forums? Hurry if you app'ed today. If you didn't app today then just fughet about it..

Also as CreditAddict said, CapitalOne Venture... what are you waiting for?

Walmart, go for it. Amazon...yeah, why not?

Get those 4 and THEN you can garden. Those lenders you got aren't especially touchy about new accounts...just make sure you don't rack up the debt. Stay within your 1%-9% utilization.

Not getting a Barclays in a way is a blessing...they're very touchy and you probably would have to just sit and garden those 3 cards.

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 15:44:51 GMT

i applied last thurs and got the card allready....will it still be the same hp if i applied for the other amex...and i hap a cap 1 baddie from 09 i paid off and they closed it...will that effect me from getting a venture card as the cap one still shows on my report

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 15:49:55 GMT

@Anonymous wrote:
i applied last thurs and got the card allready....will it still be the same hp if i applied for the other amex...and i hap a cap 1 baddie from 09 i paid off and they closed it...will that effect me from getting a venture card as the cap one still shows on my report

Don't do it... the AMEX that is. It's too late to use the same HP.

Venture, NOW. CapOne are very forgiving people. Make sure you get the Venture and NOT the "VentureOne". No AF first year, you can always PC it next year to get rid of the Annual Fee.

Then go for your Walmart or Sam's Club and then Amazon. Should all be approvals.

Then into the garden you go.

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 15:58:42 GMT

might apply for the cap 1....Was thinking they wouldnt mess with me any more....might as well go for it.... inq 5 ex 1 tu 2 equifax

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 16:00:26 GMT

@Anonymous wrote:
might apply for the cap 1....Was thinking they wouldnt mess with me any more....might as well go for it.... inq 5 ex 1 tu 2 equifax

10K-20K on a Venture credit limit and you're saying you "might" apply?

To each his own. Good luck sir.

Re: Should I.....

Creditaddict — Sun, 26 Apr 2015 16:01:03 GMT

Check cap1 pre-qual

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 16:04:45 GMT

LOL......Pre qualify was a no go

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 16:06:53 GMT

@Anonymous wrote:
LOL......Pre qualify was a no go

This is why I don't tell people to use the pre-qual. It holds you back from the cards you can actually get

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 16:06:10 GMT

LOL.....was concerned about the old cap 1 ...but imma try it..keep u posted

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 16:10:03 GMT

And 1 more thing...only my macys is showing on my reports...should i wait for my other cards to report or just go for it...Venture

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 16:24:01 GMT

@Anonymous wrote:
And 1 more thing...only my macys is showing on my reports...should i wait for my other cards to report or just go for it...Venture

You don't want the others to report...that is the point of doing a spree. App now before they report.

If you wait for the new cards to report, you will be stuck in 6 months of gardening before being able to apply again.

Get the Venture, Walmart and Amazon. THEN you garden for 6 months, no need to sell yourself short.

Re: Should I.....

Anonymous — Sun, 26 Apr 2015 16:23:21 GMT

Just did and got approved for 10,000...Thanks guys...I love this board.......Going in the garden for 6-12 Months

Re: Should I.....

Creditaddict — Sun, 26 Apr 2015 16:24:14 GMT

I'd wait... I would want the new accounts reporting when not showing a pre-qual either

Re: Should I.....

NRB525 — Sun, 26 Apr 2015 16:25:07 GMT

@Anonymous wrote:
@Anonymous wrote:
And 1 more thing...only my macys is showing on my reports...should i wait for my other cards to report or just go for it...Venture
You don't want the others to report...that is the point of doing a spree. App now before they report.

OP, Think through your app decisions on your own.

You are getting encouragement from people with dozens of cards each. They know how to get cards. That knowledge is useful, but should only be applied if it fits your current situation and goals.

If it were me, I'd stop now, because the PRG and possibly other cards come with bonus spend requirements, and will put many more cards in your wallet than you are used to now. The Venture will be there later, if you decide to go for it.

Given a slightly blemished past with CapOne, I would also be sceptical of the promise of $10k - $20k. Only an actual app will reveal any limit, but don't be surprised if it is $5k due to limited recent history with them, and only having one card reporting. Even the $5k is a speculation, only CapOne knows for sure. But the Venture comes with its' own heavy spend requirement to get the bonus.