topic applying for a card I dont need in Credit Cards

applying for a card I dont need

Anonymous — Thu, 23 Dec 2010 18:57:34 GMT

Dont need another credit card but I need to increase my avaliable credit currently 2 inquires this year I have one crap hsbc card 0% util 320 cl

here is my scores today pulled from identity guard

Equifax 604 Experian 639 TransUnion 655

What do you think?

I live in ohio would be nice to know if a creditor only pulled my TU

Re: applying for a card I dont need

Anonymous — Thu, 23 Dec 2010 19:26:44 GMT

Capital One secured card.

Re: applying for a card I dont need

MarineVietVet — Thu, 23 Dec 2010 19:33:36 GMT

@Anonymous wrote:
Dont need another credit card but I need to increase my avaliable credit currently 2 inquires this year I have one crap hsbc card 0% util 320 cl
here is my scores today pulled from identity guard
Equifax 604 Experian 639 TransUnion 655
What do you think?

I live in ohio would be nice to know if a creditor only pulled my TU

If you don't need another card then reduce your current balances and increase your available credit that way. You'll also have less debt and that's always a good thing.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: applying for a card I dont need

Tazman81 — Thu, 23 Dec 2010 19:37:51 GMT

@MarineVietVet wrote:
@Anonymous wrote:
Dont need another credit card but I need to increase my avaliable credit currently 2 inquires this year I have one crap hsbc card 0% util 320 cl
here is my scores today pulled from identity guard
Equifax 604 Experian 639 TransUnion 655
What do you think?

I live in ohio would be nice to know if a creditor only pulled my TU
If you don't need another card then reduce your current balances and increase your available credit that way. You'll also have less debt and that's always a good thing.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: applying for a card I dont need

JayRizzo — Fri, 24 Dec 2010 00:27:58 GMT

I don't know about any other accounts as none were mentioned while the member is trying to "increase" available credit, but I think they mentioned the HSBC card is already at zero utilization from a credit limit that's only $320. Correct me if I'm wrong.

Re: applying for a card I dont need

Anonymous — Fri, 24 Dec 2010 15:54:02 GMT

@JayRizzo wrote:
I don't know about any other accounts as none were mentioned while the member is trying to "increase" available credit, but I think they mentioned the HSBC card is already at zero utilization from a credit limit that's only $320. Correct me if I'm wrong.

That's how I read it, too. I would let $3 report once in a while.

A single $320 tradeline is a bit cumbersome if you really want to use the card. As such, I would not say you do not need a bit more credit.

Re: applying for a card I dont need

Anonymous — Sun, 26 Dec 2010 06:24:02 GMT

Hello hello,

I recently applied for a no annual fee Travelocity American Express which is issued by Barclays Bank Delaware and they pulled TransUnion. At the time I only knew of my EQ FICO which was at 655 and was unaware of my TU score when I applied. I was given a $3500 credit limit at 19.25 so I wont be using this card as much. My Citi Forward and Citi Platinum Select were both pulled from EQ

Anyways good luck to you and hope to hear your results!

Re: applying for a card I dont need

Anonymous — Sun, 26 Dec 2010 07:45:08 GMT

Why apply for a card your don't need?

If your going to do it might as well pick one that you like.

Personally, I work on raising my scores just a little bit more. It would lead to better cards and more instant approvals.

Re: applying for a card I dont need

Anonymous — Sun, 26 Dec 2010 09:32:46 GMT

If you don't need another credit card, don't get one. Period!

Re: applying for a card I dont need

Anonymous — Sun, 26 Dec 2010 14:10:15 GMT

1- Cancel Identity guard immediately- It is not a FICO score.

2- Buy a myFico score and see where you really stand.

3- What negatives have you had that your score is sub 650 (assuming your FICO is close to IG)

Let us know whats up.

@Anonymous wrote:
Dont need another credit card but I need to increase my avaliable credit currently 2 inquires this year I have one crap hsbc card 0% util 320 cl
here is my scores today pulled from identity guard
Equifax 604 Experian 639 TransUnion 655
What do you think?

I live in ohio would be nice to know if a creditor only pulled my TU