topic Re: No itch... in SmorgasBoard

No itch...

afbar1114 — Wed, 09 May 2012 11:43:46 GMT

i no longer have an intch for anycard right now. i feel like i can finally finally garden after 5 long months of apping. hopefully in a few months ill be able to get a CLI on CHase and BoA. one memeber suggested that i try for a BoA CLI at 3 months as he went from $800 to $5k at three months. the only card i may want but not anytime soon will be a discover card which i will try at 12 month mark. thank you all for your help and support

Re: No itch...

Anonymous — Wed, 09 May 2012 11:47:08 GMT

Congratulations. Keep at it.

Re: No itch...

Anonymous — Wed, 09 May 2012 11:47:58 GMT

Congrats!

Re: No itch...

crunching_numbers — Wed, 09 May 2012 12:14:09 GMT

Your patience will be rewarded with higher CL's.

Re: No itch...

namvet — Wed, 09 May 2012 12:19:20 GMT

Looks like you got a handle on it. Congrats and best of luck in the garden!

Re: No itch...

llecs — Wed, 09 May 2012 15:52:27 GMT

You know you want to apply....everyone is doing it! Don't be a square.

j/k of course....You'll notice a night and day difference in the quality of your future CCs and CLIs just by waiting and doing nothing. When I first came on here I did the same and opened 8-9 CCs my first year and 3-4 others within a few months after that. Between all 3 reports, I had over 60 inquiries reporting. I then went cold turkey. It's amazing how bad new TLs drain your FICO and how bad they impact your chances of new or expanded credit. Keep your nose clean and a year from now you'll notice a stark difference in your FICO and a difference of the quality and limits of future CCs.

Re: No itch...

afbar1114 — Mon, 14 May 2012 02:23:17 GMT

im hoping to get csp or JP morgan select lol