topic Re: Should i try some more apps? in Credit Cards

Should i try some more apps?

Legions36 — Thu, 14 Nov 2013 17:31:03 GMT

Im about to close the low end cards on my signature and just was approved for those 4 prime cards this week. I also have 1 local credit union left that i took out a loan and paid fully back last year, i think i have a good shot at them for a nice mastercard. I don't want to push it because im very happy so far but i do want to get the most out of it if i still can before i garden. From what i can see is from the 4 cards i just got 2 of them pulled my Equifax(USAA + DCU), NFCU pulled my TU, and i dont know what the Freedom pulled. So it looks like i don't have that many if any pulls on my experian. Any suggestions or help with what im doing? AMEX, Discover it, Citi Simplicity, etc. its very obvious to me that i have really fixed my scores. Also don't worry about me not being able to handle my credit, this i can do with ease. Thanks any help would be great.

P.S. can u look at my small cards and tell me if i should close the Orch Bank which is now Cap1 for $400 limit or what to do with it?

Re: Should i try some more apps?

alvon123 — Thu, 14 Nov 2013 17:41:04 GMT

How old is the Orch account? What are the fees on the Cred1?

Re: Should i try some more apps?

Legions36 — Thu, 14 Nov 2013 17:46:39 GMT

@alvon123 wrote:
How old is the Orch account? What are the fees on the Cred1?

The orch and cred1 are about the same year and a half old. Right now now fees for the year on either card, they tried to hit me with an annual fee but i called and they took it off next year will get annual fees on them.

Re: Should i try some more apps?

alvon123 — Thu, 14 Nov 2013 18:01:15 GMT

I would only keep them open until the fees become due again and then I would close them. by that time you will have at least 2 or more years of credit history added to your account.

Re: Should i try some more apps?

Legions36 — Thu, 14 Nov 2013 18:08:19 GMT

@alvon123 wrote:
I would only keep them open until the fees become due again and then I would close them. by that time you will have at least 2 or more years of credit history added to your account.

I do have other long history from being added as an Auth user.

I was always wondering how do people get those pics of there cards on there signatures, i want that too?

Yeah i can keep them open for no fees then close them.

Re: Should i try some more apps?

09Lexie — Thu, 14 Nov 2013 18:33:05 GMT

Discover usually pulls EQ/TU, Chase may have pulled your Ex ( they did for me) or you may have been double pulled. American Express normally pulls EX, but you could be triple pulled.

Before you rush out an app based on which bureau, you might want to decide what you are looking for ; apping just for the sake of apping without a plan is not a good idea.

For the pics in your siggy, review this thread:

http://ficoforums.myfico.com/t5/SmorgasBoard/Profile-tweaks/td-p/1864003

Re: Should i try some more apps?

Anonymous — Thu, 14 Nov 2013 21:11:49 GMT

@alvon123 wrote:
I would only keep them open until the fees become due again and then I would close them. by that time you will have at least 2 or more years of credit history added to your account.

Or just close it now. Your new cards have a CL of $26.5K. There is no way that $400 limit is doing anything useful for utilization, I would get rid of it, if nothing else to avoid discussions on AF next year.

Re: Should i try some more apps?

Legions36 — Thu, 14 Nov 2013 22:04:21 GMT

@09Lexie wrote:
Discover usually pulls EQ/TU, Chase may have pulled your Ex ( they did for me) or you may have been double pulled. American Express normally pulls EX, but you could be triple pulled.

Before you rush out an app based on which bureau, you might want to decide what you are looking for ; apping just for the sake of apping without a plan is not a good idea.

For the pics in your siggy, review this thread:

http://ficoforums.myfico.com/t5/SmorgasBoard/Profile-tweaks/td-p/1864003

Well i dont have a special plan, a plan would be great. I don't want to apply to much if it could cause me headaches later. So far anything more is way more than expected, the more credit i have the easier it is for me to manuver.

Re: Should i try some more apps?

Legions36 — Thu, 14 Nov 2013 22:07:28 GMT

Anyone know if it would be to much to ask these CU's to refinance my auto loan i took out 5 months ago? I'm paying 13% which is rediculous and still owe $12,800, i already asked them and it will be another hardpull even though they just ran my card?

I also have the option of paying off the car then going for a collateral loan too if necessary. It feels like im getting robbed and my credit was not even close when i got this loan.

Re: Should i try some more apps?

09Lexie — Thu, 14 Nov 2013 22:54:29 GMT

DCU will use the same hp if you were just approved. Whether or not it will be approved would depend on the equity in your car.

Re: Should i try some more apps?

Legions36 — Thu, 14 Nov 2013 23:12:35 GMT

@09Lexie wrote:
DCU will use the same hp if you were just approved. Whether or not it will be approved would depend on the equity in your car.

Thanks i will call them and ask them about it.

Re: Should i try some more apps?

Anonymous — Fri, 15 Nov 2013 01:00:19 GMT

Oh yes get that re fi. I just refi for 1.99 thru my cu!

Re: Should i try some more apps?

Kenny — Fri, 15 Nov 2013 01:03:15 GMT

I highly recommend Amex as your next card to fully round out your selection.

Re: Should i try some more apps?

Legions36 — Fri, 15 Nov 2013 03:33:03 GMT

@KennyS2006 wrote:
I highly recommend Amex as your next card to fully round out your selection.

Yes i was thinking about doing this, the only thing i dont want is to have to have a charge card and i dont like that they force u to have to pay a pretty high annual fee. What do u think the chances i would get approved right now given i just got 4 new prime cards?

Shoot what are the chances i get approved for other new cards given this?

I was also thinking about applying for the Quicksilver Cap1 card since i already have business with them and i maxed loaded my secured card and had it for a while now. Thats the least they can do for me and then im closing those other cards that aren't doing anything for me.

Can u guys let me know what to do? I have never been in this situation and i dont want to mess these good times up?

Re: Should i try some more apps?

Legions36 — Fri, 15 Nov 2013 04:05:39 GMT

I just found out that Chase pulled my TU so thats 2 for TU and 2 for EX. Not sure about experian, seems like none yet. Anyone know any good cards that pull Experian?

Re: Should i try some more apps?

Kenny — Fri, 15 Nov 2013 04:09:59 GMT

Amex pulls experian.

hehehe

Re: Should i try some more apps?

Legions36 — Fri, 15 Nov 2013 04:30:06 GMT

@KennyS2006 wrote:
Amex pulls experian.

hehehe

What do u think should i go for it? I'm trigger happy right now.....

Re: Should i try some more apps?

Legions36 — Fri, 15 Nov 2013 04:37:42 GMT

Ok i just paid $20 for my experian score that i never new and its 729.

Re: Should i try some more apps?

Legions36 — Fri, 15 Nov 2013 04:59:29 GMT

Update: Chase also pulled experian as well as tu.

I'm glad i pulled my experian because i found a mistake on it that im going to dipute it right now, actually its showing as 2 seperate but for the same student loan that is sappost to show paid as agreed. Do u think this will affect my Amex app? Or should i i just wait a few days until this gets updated?

Re: Should i try some more apps?

Kenny — Fri, 15 Nov 2013 05:06:17 GMT

Wait and it should sort itself out. Disputing something that is valid isn't good... What exactly kind of card are you looking for?