topic Re: looking for EX pulling CCC in Credit Cards

looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 01:12:12 GMT

EX-629

have 2 cards
Cap1-16 months no lates
Credit1-13 months no lates

other than that my EX report is clean. i have no other type of credit loans. so which CCC should i apply for and what CL should I aim for. also how many cards should I try for.

thx in advance for any help

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 01:43:51 GMT

What is your utilization?

ruggiero06 wrote:
EX-629

have 2 cards
Cap1-16 months no lates
Credit1-13 months no lates

other than that my EX report is clean. i have no other type of credit loans. so which CCC should i apply for and what CL should I aim for. also how many cards should I try for.

thx in advance for any help

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 01:49:34 GMT

rather high. about 80% but total limit for both cards is only 800 so i can pay those down to about 25% with ease.

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 02:03:50 GMT

If you aren't in a hurry, I would pay your balances down first. Scores will improve greatly.

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 02:04:36 GMT

@Anonymous wrote:
If you aren't in a hurry, I would pay your balances down first. Scores will improve greatly.

I second that.

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 02:11:32 GMT

i kinda am in a hurry. the reason i dont wanna pay down the cards is because even if i get a 1000 dollar card my utilization drops below 50% and i wont have to spend much to get it to 25. if i get a 2000 dollar card its drops much lower and i wont have to spend anything to be were i wanna be.

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 02:15:05 GMT

With higher scores, and a clean report, etc, you stand a better chance of approval for a card with a higher limit. JMO.

629 on EX is not awful, however, I don't know what card to recommend. You can always check whogavemecredit.com.

Re: looking for EX pulling CCC

smallfry — Tue, 06 May 2008 02:17:58 GMT

Pay the cards off or close then apply. I think you can wait 30 days right? You apply now you are in a severe position of weakness with 80% utilization.

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 02:53:51 GMT

80 percent util eliminates Amex I believe. They are big on util.

While lowering util would greatly improve your scores, if you are really in a hurry you could always app for HSBC/Orchard. They are a pretty exclusive EX puller that I don't think would mind the util so much.

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 02:55:53 GMT

what CL would i expect for hsbc or orchard.

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 03:20:53 GMT

I would pay them down because that would give u a chance of getting a higher limit...if in a hurry try HSBC preappoval site....their are link on here somewhere or just google HSBC...I would say that you would get around the same as your limits that you have...and if not lower if the utilization is high...

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 03:22:29 GMT

would that be a soft pull?

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 03:24:57 GMT

yep...

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 03:29:37 GMT

Yeah, it's a soft pull.

I would expect a CL from $300-$500.

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 03:32:30 GMT

that's what I was thinking....they pull and look at those things and really don't give you too much more than what you have...unless your scores show that you need the bump...in my opinion like others have stated I would hold out and get it to around 10-15% or less 25% at the most and apply and wait for it to report....u will see a increase in your score and you will definitely get a better limit and APR...

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 03:43:09 GMT

it says im pre qualified for HSBC Platinum MasterCard but it doesnt say what my limit is. i have the option to click "Apply For This Card" if i did would that count as an inquiry?

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 03:44:46 GMT

@ruggiero06 wrote:
it says im pre qualified for HSBC Platinum MasterCard but it doesnt say what my limit is. i have the option to click "Apply For This Card" if i did would that count as an inquiry?

Yes. When you actually apply you give consent to a hard pull.

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 03:48:10 GMT

hmmmm. then i wont...looks like ill just pay my cards down. yay :/

Re: looking for EX pulling CCC

Anonymous — Tue, 06 May 2008 04:08:27 GMT

Smart move -

I asked what your ULT was as with a clean payment history- your score seemed o be depressed .

Use the Fico simulator-

10 to 20 points per 10% of UTL-

13 X 7= 91 points!!!!!!!

With scores over 700 you can go prime instead of that HSBC junk.

ruggiero06 wrote:
hmmmm. then i wont...looks like ill just pay my cards down. yay :/

Re: looking for EX pulling CCC

clgray — Tue, 06 May 2008 15:37:19 GMT

When you pull you pay down your cards, try Patelco. Read some of the other threads here about them. They will grow with you.