topic Re: Cards.? in Credit Cards

Cards.?

afbar1114 — Tue, 24 Jul 2012 02:23:10 GMT

Is it really worth it? I would like a metal card but is it worth another card? I mean don't get me wrong any card that I get above 5k would be great because then I could get rid of a store card or two if I wanted. I mean my BBY limit will not move right now. Discover looks good but I wouldn't be able to spend $3k just to get 1% I would just use boa and freedom for everything. Maybe when I traveL CSP would be good.

Re: Cards.?

LS2982 — Tue, 24 Jul 2012 02:40:40 GMT

No.

Re: Cards.?

laboi_22 — Tue, 24 Jul 2012 02:41:42 GMT

At this point given your frequent and recent apps, I'm pretty sure you won't get approved for a card with a $5000 CL. Now if you garden and work on CLIs for your current accounts and attempt a CSP in a year or so you stand a chance. The thing is getting the CSP is not a bad thing if you can maximize your rewards on that card so go for it but not anytime soon. I 100% guarantee you if you apply now you will be declined. I know you just got a chase CLi and was approved for Green but don't let that give you false hope. Also remember you just got 2 more new HPs. I know applying and getting approved feels good and makes you want to do it again but you were doing so well by gardening. Garden again for your own benefit.

Re: Cards.?

afbar1114 — Tue, 24 Jul 2012 02:47:53 GMT

i wasnt planing on apping for it for at least 6 months if not longer. i may try for a CLI again in six months but that may be it. maybe once i get to $5k with freedom maybe i will try for it

Re: Cards.?

afbar1114 — Tue, 24 Jul 2012 02:51:46 GMT

My scores have improved so much. just got my FICO socres for all 3 and i am at EX: 675 EQ:668 TU: 638. I have lates showing up on EQ but once that gets fixed because its wrong i am sure the score will go up. i am 2 points away from my 670 which i started in jan before my app sprees.

Re: Cards.?

laboi_22 — Tue, 24 Jul 2012 03:16:12 GMT

Just imagine if you will for a moment the suprise and the great feeling you get once your FICO reaches 742. I know it feels good to get approved for things but trust me having a good score feels much better. I mean imagine applying for something and getting a CL starting at $6000. Imagine getting instant approval rather than the 7-10 day notice. Imagine how wonderful it feels to get approved without a recon!!! You won't ever know that feeling.

Applying for anything in 6 months given your low scores and low AAOA you won't get a CSP. You really need to wait. I know you won't but you really do. What do you want CSP for if I can ask? Do you travel a lot? Also did you realize that the AMEX Green is one of the most tried and true travel cards out there. With the ability to transfer to frequent flyer programs. Check it out.

And ask yourself do I really need anything else? Probably not. Will you need in 6 months? NOPE. When you get that metal card you will just be looking for what's next. You have to stop somewhere. It seems your always looking for the next card.

Re: Cards.?

LS2982 — Tue, 24 Jul 2012 03:21:13 GMT

Oh, did I mention no?

Ah why yes you did!

No.

Re: Cards.?

searchingfor67 — Tue, 24 Jul 2012 03:31:39 GMT

@laboi_22 wrote:
Just imagine if you will for a moment the suprise and the great feeling you get once your FICO reaches 742. I know it feels good to get approved for things but trust me having a good score feels much better. I mean imagine applying for something and getting a CL starting at $6000. Imagine getting instant approval rather than the 7-10 day notice. Imagine how wonderful it feels to get approved without a recon!!! You won't ever know that feeling.

Applying for anything in 6 months given your low scores and low AAOA you won't get a CSP. You really need to wait. I know you won't but you really do. What do you want CSP for if I can ask? Do you travel a lot? Also did you realize that the AMEX Green is one of the most tried and true travel cards out there. With the ability to transfer to frequent flyer programs. Check it out.

And ask yourself do I really need anything else? Probably not. Will you need in 6 months? NOPE. When you get that metal card you will just be looking for what's next. You have to stop somewhere. It seems your always looking for the next card.

+1000

Re: Cards.?

afbar1114 — Tue, 24 Jul 2012 04:01:50 GMT

your right i guess i really dont need CSP. maybe once i get my freedom to $5k i can get the siggy one. I just requsted my chip card from BoA. I hope i get the right one as i dont think the CSR's understood what i wanted. had to go through 3 of them to get some one who understood me. maybe when i "need" credit i will apply for it/

Re: Cards.?

MarineVietVet — Tue, 24 Jul 2012 04:07:10 GMT

@afbar1114 wrote:
My scores have improved so much. just got my FICO socres for all 3 and i am at EX: 675 EQ:668 TU: 638. I have lates showing up on EQ but once that gets fixed because its wrong i am sure the score will go up. i am 2 points away from my 670 which i started in jan before my app sprees.

May I ask is where did you get your scores?

Re: Cards.?

afbar1114 — Tue, 24 Jul 2012 04:09:35 GMT

@MarineVietVet wrote:
@afbar1114 wrote:
My scores have improved so much. just got my FICO socres for all 3 and i am at EX: 675 EQ:668 TU: 638. I have lates showing up on EQ but once that gets fixed because its wrong i am sure the score will go up. i am 2 points away from my 670 which i started in jan before my app sprees.
May I ask is where did you get your scores?

EQ was from this site. EX was BoA Lender Pull ( SP for now) not showing up yet. TU walmart.

Re: Cards.?

MarineVietVet — Tue, 24 Jul 2012 04:11:38 GMT

@afbar1114 wrote:
@MarineVietVet wrote:
@afbar1114 wrote:
My scores have improved so much. just got my FICO socres for all 3 and i am at EX: 675 EQ:668 TU: 638. I have lates showing up on EQ but once that gets fixed because its wrong i am sure the score will go up. i am 2 points away from my 670 which i started in jan before my app sprees.
May I ask is where did you get your scores?
EQ was from this site. EX was BoA Lender Pull ( SP for now) not showing up yet. TU walmart.

Excellent!!

Re: Cards.?

afbar1114 — Tue, 24 Jul 2012 04:32:24 GMT

My scores are great now. Can't wait to get that neg fixed . Maybe adding a new card isn't a good idea

Re: Cards.?

pizzadude — Tue, 24 Jul 2012 04:33:31 GMT

@afbar1114 wrote:
My scores are great now. Can't wait to get that neg fixed . Maybe adding a new card isn't a good idea

Did you end up closing out your ZYNC ? Or did you leave it open ?

Re: Cards.?

afbar1114 — Tue, 24 Jul 2012 04:34:31 GMT

I may leave it open until the next ad hits

Re: Cards.?

Anonymous — Tue, 24 Jul 2012 04:50:29 GMT

Same exact advice as it always has been. New post.

Re: Cards.?

afbar1114 — Tue, 24 Jul 2012 14:27:35 GMT

Meaning?

Re: Cards.?

emptypockets — Tue, 24 Jul 2012 14:42:57 GMT

@afbar1114 wrote:
Meaning?

You should work on getting whatever negative you have off your EQ reporrt, and fixing your TU report (what is causing your score there to be 30 pts lower than your others?), and continue to use your other cards responsibly, and keep the utilization low (Garden) for several months until your score increases enough to get the Prime cards you want. It is unlikely that you will get a CSP in the next 6 months with scores below 700. Every time you apply again, it is affecting your score more. Put some time between the pulls, and let your score recover, and you will be in a good postition to get better cards and limits.