topic Re: Am I pushing my luck? in Credit Cards

Am I pushing my luck?

Hightechredneck — Mon, 01 Oct 2012 23:43:40 GMT

To make a long story short. Once upon a time stellar credit, high 700's Amex Gold Card, BOA Platinum etc ect. DW lost job, one income house for a year, got very behind about 7 years ago. 4 charge offs, some paid in full some not. Started watching my Experian score about a year ago, in the dumps for first six months. Got a car loan, last year, went a whole year with no baddies. Two weeks ago I get a note from Experian that my score changed, wow 650!, pulled all 3 690 on TU, 631 EF. Don't know what my FICO is yet. So applied for a Cabelas Club Visa, viola! Approved with $1500 CL. Tried Credit One, bango $1000 CL, Amazon, blammo $1400 CL. Walmart zing $1000 CL. Ok I think I'm on a roll. I have a C1 card with $1800 CL paid off in full for 90% of the time. Ask for a CL increase from one of the back door numbers, DENIED! (**bleep**?) Hummmm Amazon and Walmart are both GE so I start looking for other GE store cards, wow Dicks Sporting Goods. STOP! I saw to myself, let's not push your luck. I went 3 for 4 Any suggestions? Or should I count my blessings and continue to garden? (Dicks has a really sweet shotgun)

Re: Am I pushing my luck?

gettnthere — Mon, 01 Oct 2012 23:53:52 GMT

Hello and WELCOME to the FORUMS!!!

It is most definitely time for you to head to the garden to nurture your new cards. You are doing a superb job at getting your credit back on track, but at this point in time its gonna be a long-shot to get approved for more prime, worthwhile cards. CONGRATS on your Approvals!!

@obageegee wrote:
To make a long story short. Once upon a time stellar credit, high 700's Amex Gold Card, BOA Platinum etc ect. DW lost job, one income house for a year, got very behind about 7 years ago. 4 charge offs, some paid in full some not. Started watching my Experian score about a year ago, in the dumps for first six months. Got a car loan, last year, went a whole year with no baddies. Two weeks ago I get a note from Experian that my score changed, wow 650!, pulled all 3 690 on TU, 631 EF. Don't know what my FICO is yet. So applied for a Cabelas Club Visa, viola! Approved with $1500 CL. Tried Credit One, bango $1000 CL, Amazon, blammo $1400 CL. Walmart zing $1000 CL. Ok I think I'm on a roll. I have a C1 card with $1800 CL paid off in full for 90% of the time. Ask for a CL increase from one of the back door numbers, DENIED! (**bleep**?) Hummmm Amazon and Walmart are both GE so I start looking for other GE store cards, wow Dicks Sporting Goods. STOP! I saw to myself, let's not push your luck. I went 3 for 4 Any suggestions? Or should I count my blessings and continue to garden? (Dicks has a really sweet shotgun)

Re: Am I pushing my luck?

LS2982 — Mon, 01 Oct 2012 23:51:23 GMT

@obageegee wrote:
To make a long story short. Once upon a time stellar credit, high 700's Amex Gold Card, BOA Platinum etc ect. DW lost job, one income house for a year, got very behind about 7 years ago. 4 charge offs, some paid in full some not. Started watching my Experian score about a year ago, in the dumps for first six months. Got a car loan, last year, went a whole year with no baddies. Two weeks ago I get a note from Experian that my score changed, wow 650!, pulled all 3 690 on TU, 631 EF. Don't know what my FICO is yet. So applied for a Cabelas Club Visa, viola! Approved with $1500 CL. Tried Credit One, bango $1000 CL, Amazon, blammo $1400 CL. Walmart zing $1000 CL. Ok I think I'm on a roll. I have a C1 card with $1800 CL paid off in full for 90% of the time. Ask for a CL increase from one of the back door numbers, DENIED! (**bleep**?) Hummmm Amazon and Walmart are both GE so I start looking for other GE store cards, wow Dicks Sporting Goods. STOP! I saw to myself, let's not push your luck. I went 3 for 4 Any suggestions? Or should I count my blessings and continue to garden? (Dicks has a really sweet shotgun)

Welcome to the forums!!!

STOP!!!

Best advice I can give you. Let your credit cards grow. Your taking on too many INQ's and killing your AAoA.

Re: Am I pushing my luck?

Anonymous — Mon, 01 Oct 2012 23:53:19 GMT

RUN to the garden and DON'T look back!!!!!!!!!!!!!!!!!! You have done a good job now let those cards age and bring your scores up some more! Prepare yourself for some primes!

Re: Am I pushing my luck?

Hightechredneck — Tue, 02 Oct 2012 00:24:03 GMT

Thanks everyone! I'm going to head to the garden and nurture my new seeds.

Re: Am I pushing my luck?

youngandcreditwrthy — Tue, 02 Oct 2012 02:33:27 GMT

Garden, gaarden, garden!!! And give it up on C1, they wont cli if your score is perfect!!!
I just gor amex and discover and c1 refuses to even consider my cli :-(.

Best of luck!

Re: Am I pushing my luck?

Hightechredneck — Tue, 02 Oct 2012 02:35:31 GMT

First steps, dump FP and then C1.