Lowes and Home Depot Advice

spartantx117 — Wed, 11 Jun 2014 23:51:03 GMT

Ok a question I have asked before but I have had some things change and am wanting some advice. My current stuation is as follows....

All FAKOS

Transunion - 734

Experian - 702

Equifax - 697

The cards I currently have and ages are

One Stop Plus - $800 (opened March 2012 with a 250 limit) - $0 balance

Capital One Quicksilver One - $4000 (opened June 2013 with a 500 limit) - $0 balance

Barclays Rewards - $2600 (opened October 2013 with a 1300 limit) - $0 balance

Discover it (AU) - 1700 limit (opened October 2013) - $0 balance

Rooms to Go (Gecb) - $3200 limit (opened February 2014) - $2150 balance

AMEX BCE - $3000 limit (opened March 2014) $0 balance

Chase Freedom Sig - $9000 limit (opened June 2014) $0 balance

Completely clean CR as of last Friday

AAOA 2.17 years

Pulls TU-4 EX-4 EQ-2

I am wanting to add two more cards to my portfollio (Lowes and Home Depot) and then garden for 6-12 months. The reason I want them is the discounts and I spend a lot of money at both places and I know Lowes gives 5% off and Home Depot will match that if you show them your Lowes card....

My question is my Capital One CLI isnt showing yet and neither is my new Chase Freedom card. Would I be better off trying to get these now, when my new limit and card reports or garden a while and wait 6-12 months?

Thanks!

Re: Lowes and Home Depot Advise

coldnmn — Wed, 11 Jun 2014 23:24:33 GMT

IMHO I would wait until those CL report. I would wait 6 months but that's just me so I would have a better chance of approval and CL. Good Luck!

Re: Lowes and Home Depot Advise

myjourney — Wed, 11 Jun 2014 23:42:21 GMT

I would also wait on CR's to update the CLI

I would also check Fico socres vs Fako scores

Also to note if your self employeed I would app the Amex Lowes card which is a better product then the consumer card IMHO

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Lowes and Home Depot Advice

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Re: Lowes and Home Depot Advise