topic Re: APP FREE in Credit Cards

APP FREE

Anonymous — Wed, 28 Nov 2012 21:20:30 GMT

Hey Gang,

I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%

Re: APP FREE

dodgerslv — Wed, 28 Nov 2012 21:23:27 GMT

@Anonymous wrote:
Hey Gang,
I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%

i would say wait at least one more month....6-12 months is recommended but i suggest wait at least 3 (if you can of course). You probably wanna look at your credit report and see how many total inquiries you had in the past 6 months prior to your last application.

Re: APP FREE

Anonymous — Wed, 28 Nov 2012 21:35:15 GMT

@dodgerslv wrote:
@Anonymous wrote:
Hey Gang,
I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%
i would say wait at least one more month....6-12 months is recommended but i suggest wait at least 3 (if you can of course). You probably wanna look at your credit report and see how many total inquiries you had in the past 6 months prior to your last application.

Thanks dodgerslv...I have 10 from my last (back to Jan 2011); however, out of those 10...5 are mortgage shopping on different months

Re: APP FREE

dodgerslv — Wed, 28 Nov 2012 21:38:17 GMT

@Anonymous wrote:
@dodgerslv wrote:
@Anonymous wrote:
Hey Gang,
I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%
i would say wait at least one more month....6-12 months is recommended but i suggest wait at least 3 (if you can of course). You probably wanna look at your credit report and see how many total inquiries you had in the past 6 months prior to your last application.
Thanks dodgerslv...I have 10 from my last (back to Jan 2011); however, out of those 10...5 are mortgage shopping on different months

Well you can always explain that if they deny you (recon)...but if you can, wait at least one more month....

Re: APP FREE

Hightechredneck — Wed, 28 Nov 2012 21:54:51 GMT

Stay in the garden as long as you can! I have the itch bad but I'm going to wait a while.

Re: APP FREE

armbenderc — Wed, 28 Nov 2012 22:13:21 GMT

@Anonymous wrote:
Hey Gang,
I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%

It's hard for me as well, but the end result will be worth it.

Re: APP FREE

Anonymous — Wed, 28 Nov 2012 22:36:18 GMT

OK! I hope I can wait! I feel like I'm in AA....lol

Coming here sure soothes the itch at times