topic Credit Card Application in Credit Cards https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Application/m-p/1687514#M468690 <P>When I joined my EQ credit score was 705 then a month later after paying a negative item off ,&nbsp;the&nbsp;EQ score&nbsp;went to 720.&nbsp; Then last month I took a loan out to buy a motorcycle, and the EQ score 770.&nbsp; The main reason it was so low was the lack of credit cards and loans, I have a 20 year good pay history.&nbsp;&nbsp; I'd like to apply for a credit card to continue to increase the amount of available credit right now I have 1 credit card with a $1300 limit.&nbsp; The question is should I wait a month or two to allow it to stabilize(for lack of a better term) or does it matter?&nbsp; The goal is to get a mortgage in 6 months or so.&nbsp; Any feed would help.</P> Wed, 07 Nov 2012 16:53:51 GMT Anonymous 2012-11-07T16:53:51Z Credit Card Application https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Application/m-p/1687514#M468690 <P>When I joined my EQ credit score was 705 then a month later after paying a negative item off ,&nbsp;the&nbsp;EQ score&nbsp;went to 720.&nbsp; Then last month I took a loan out to buy a motorcycle, and the EQ score 770.&nbsp; The main reason it was so low was the lack of credit cards and loans, I have a 20 year good pay history.&nbsp;&nbsp; I'd like to apply for a credit card to continue to increase the amount of available credit right now I have 1 credit card with a $1300 limit.&nbsp; The question is should I wait a month or two to allow it to stabilize(for lack of a better term) or does it matter?&nbsp; The goal is to get a mortgage in 6 months or so.&nbsp; Any feed would help.</P> Wed, 07 Nov 2012 16:53:51 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Application/m-p/1687514#M468690 Anonymous 2012-11-07T16:53:51Z Re: Credit Card Application https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Application/m-p/1687544#M468692 <P>Welcome! Moved it over here since it is about applying for a CC.</P><P>&nbsp;</P><P>I wouldn't suggest applying for any credit before the mortgage. Wait until you close or delay the mortgage by another 6-12 months and apply for the CC now.</P> Wed, 07 Nov 2012 17:09:07 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Application/m-p/1687544#M468692 llecs 2012-11-07T17:09:07Z