topic Re: I am hoping to not apply for cards for the whole year. in Credit Cards

I am hoping to not apply for cards for the whole year.

Smug — Fri, 24 Dec 2010 04:08:54 GMT

I have 13 on one credit report and 7 on another since Aug, have got 3 small credit lines, 2 Cap one, and a discover, so I will try for a year not to apply for any cards and keep my credit clean. Any other. Tips..?????

Re: I am hoping to not apply for cards for the whole year.

joestay — Fri, 24 Dec 2010 04:24:41 GMT

just wait and ask for cli

Re: I am hoping to not apply for cards for the whole year.

Smug — Fri, 24 Dec 2010 04:28:25 GMT

That's what I was thinking.

Re: I am hoping to not apply for cards for the whole year.

Anonymous — Fri, 24 Dec 2010 05:09:35 GMT

Unfortunately most CLI requests these days result in a hard INQ.

Re: I am hoping to not apply for cards for the whole year.

joestay — Fri, 24 Dec 2010 05:10:28 GMT

Only request cli with companies that do soft pull.

Re: I am hoping to not apply for cards for the whole year.

Anonymous — Fri, 24 Dec 2010 05:19:30 GMT

@joestay wrote:
Only request cli with companies that do soft pull.

Such as?

Re: I am hoping to not apply for cards for the whole year.

Anonymous — Fri, 24 Dec 2010 05:24:40 GMT

@Anonymous wrote:
@joestay wrote:
Only request cli with companies that do soft pull.
Such as?

Amex and BofA only do a soft pull for CLI the last time I requested.

Edited to add both CLI was requested with-in the last 60 days

Re: I am hoping to not apply for cards for the whole year.

Anonymous — Fri, 24 Dec 2010 05:24:53 GMT

@Anonymous wrote:
@Anonymous wrote:
@joestay wrote:
Only request cli with companies that do soft pull.
Such as?
Amex and BofA only do a soft pull for CLI the last time I requested

So does USAA.

Not bad ... three out of a hundred.

Re: I am hoping to not apply for cards for the whole year.

Anonymous — Fri, 24 Dec 2010 05:26:58 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@joestay wrote:
Only request cli with companies that do soft pull.
Such as?
Amex and BofA only do a soft pull for CLI the last time I requested
So does USAA.

Not bad ... three out of a hundred.

I agree with you O6 the odds are not in the consumers (our) favor.

Re: I am hoping to not apply for cards for the whole year.

Anonymous — Fri, 24 Dec 2010 05:29:01 GMT

Cap 1 is soft.

Re: I am hoping to not apply for cards for the whole year.

Anonymous — Fri, 24 Dec 2010 06:09:29 GMT

I'm with you !

Re: I am hoping to not apply for cards for the whole year.

Smug — Fri, 24 Dec 2010 09:50:11 GMT

No it's not, have 2 pullson my record for 2 cap one cards.