topic Re: should i even bother? in Credit Cards

should i even bother?

jsickz32 — Fri, 01 Feb 2013 19:03:54 GMT

Apping for the CSP now? My NFCU turned 6th months old at 10k cl and my bofa with 5.7k cl is 13months old.

Re: should i even bother?

jsickz32 — Fri, 01 Feb 2013 19:05:24 GMT

CHASE pulls EX for me and i have 3 or 4 inqs in the last 6 months and 17 total and 5 of them are from chase. Utl is 2% score is 710

Re: should i even bother?

creditnocash — Fri, 01 Feb 2013 19:08:38 GMT

@jsickz32 wrote:
CHASE pulls EX for me and i have 3 or 4 inqs in the last 6 months and 17 total and 5 of them are from chase. Utl is 2% score is 710

how many in the past year?

i would personally wait till you are down too 2-3 in the past year.

Re: should i even bother?

Anonymous — Fri, 01 Feb 2013 19:09:40 GMT

Hmmm, I think you have a shot. I am proof that inquirys are overated. As long as your report has no serious derogs you will be fine. My experian and Transunion both have a CO on it so the inquiries seem to hurt me there. But with Equifax pullers they seem not to care to much since my report is clean and 716 right now. Just my 2 cents go for it.

Re: should i even bother?

chnceit — Fri, 01 Feb 2013 19:10:14 GMT

@jsickz32 wrote:
CHASE pulls EX for me and i have 3 or 4 inqs in the last 6 months and 17 total and 5 of them are from chase. Utl is 2% score is 710

Is this 17 total on EX or across all reports?

Re: should i even bother?

jsickz32 — Fri, 01 Feb 2013 19:12:00 GMT

@creditnocash wrote:
@jsickz32 wrote:
CHASE pulls EX for me and i have 3 or 4 inqs in the last 6 months and 17 total and 5 of them are from chase. Utl is 2% score is 710
how many in the past year?

i would personally wait till you are down too 2-3 in the past year.

13 in the past 12 months but like i said 5 are from chase.

Re: should i even bother?

jsickz32 — Fri, 01 Feb 2013 19:13:41 GMT

17 in EX only. Ive been denied for the CSP before 3 times because of not long enough exp with 5k+ cl.

Re: should i even bother?

Anonymous — Fri, 01 Feb 2013 19:17:45 GMT

Dont do it ! The only reason I was denied the Freedom is because I had over 8 inquirys in the past year on my experian. Just wait it out a few more months untill your under 5 for the year.

Re: should i even bother?

jsickz32 — Fri, 01 Feb 2013 19:19:56 GMT

I was gonna wait until 06/13 or 07/13 by then most inqs will be 1 year old. I think im gonna wait. Thanks for talking me out of it lol

Re: should i even bother?

09Lexie — Fri, 01 Feb 2013 19:33:00 GMT

@jsickz32 wrote:
I was gonna wait until 06/13 or 07/13 by then most inqs will be 1 year old. I think im gonna wait. Thanks for talking me out of it lol

Good idea by then your BoA will have aged to 1 1/2- so when you are approved your CL will be higher.

Re: should i even bother?

jsickz32 — Fri, 01 Feb 2013 19:34:47 GMT

By then my NFCU cashRewards will be 1 yeard old and flagship 8 months old.

BTW i was denied by nordstrom becuase of too many inqs.....

Re: should i even bother?

Anonymous — Fri, 01 Feb 2013 19:34:51 GMT

Haha CSP is one of the cards I am going after I get out of the rehab garden

Re: should i even bother?

09Lexie — Fri, 01 Feb 2013 19:44:37 GMT

@jsickz32 wrote:
By then my NFCU cashRewards will be 1 yeard old and flagship 8 months old.

BTW i was denied by nordstrom becuase of too many inqs.....

Sorry about Nordstrom. Thought they usually pulled EQ.