Hey guys,
I just closed on my first house on Friday and I am dying to apply for credit cards. But unfortunately I have an issue with EX that just came up and that is not yet resolved due to an unknown account and my score is 650 but my TU score is 744 and I have no baddies and EQ is 708. Are there any cards that I can apply for now or should I wait till the EX issue is resolved?
I used to come up on the chase prequalifier for the chase saphire but ever since I had this fradulent account issue the bureaus placed a fraud alert and opted me out. I opted back in and I still do not see any offers. How long does that take? Should I wait till I come on the prequalifier again to apply? Hopefully they will only pull TU this way. I have the freedom and they pulled EX and TU not sure if they will pull both for a second card.
I really want to go on a spree before my mortgage reports and get my credit limits up. What cards should I apply for?
These are my current cards:
Amex - $5000
Amex Green - NPSL
Chase Freedom - $500
Capital One - Quicksilver $1750 (just got an increase on this 3 months ago)
Capital One - Quicksilver $1750 (just got an increase on this 3 months ago)
Capital One - Platinum $800 (just got an increase on this 3 months ago)
Macys $2500
Citi Best Buy Mastercard - $300 (I want to close this account. I don't want to waste a pull for a CLI)
Victoria's Secret $500 ( I want to close this card. I opened it due to the shopping cart trick craze)
Jcrew $250 ( I want to close this card. I opened it due to the shopping cart trick craze)
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App spree:
Approved for Sallie Mae for 6K on 5/4
App for Dis
@Creditobsessed12 wrote:Hey guys,
I just closed on my first house on Friday and I am dying to apply for credit cards. But unfortunately I have an issue with EQ and EX that just came up and that is not yet resolved due to an unknown account and my scores are 650 but my TU score is 744 and I have no baddies. Are there any cards that I can apply for now or should I wait till the EX and EQ issue is resolved?
I used to come up on the chase prequalifier for the chase saphire but ever since I had this fradulent account issue the bureaus placed a fraud alert and opted me out. I opted back in and I still do not see any offers. How long does that take? Should I wait till I come on the prequalifier again to apply? Hopefully they will only pull TU this way. I have the freedom and they pulled EX and TU not sure if they will pull both for a second card.
I really want to go on a spree before my mortgage reports and get my credit limits up. What cards should I apply for?
These are my current cards:
Amex - $5000
Amex Green - NPSL
Chase Freedom - $500
Capital One - Quicksilver $1750 (just got an increase on this 3 months ago)
Capital One - Quicksilver $1750 (just got an increase on this 3 months ago)
Capital One - Platinum $800 (just got an increase on this 3 months ago)
Macys $2500
Citi Best Buy Mastercard - $300 (I want to close this account. I don't want to waste a pull for a CLI)
Victoria's Secret $500 ( I want to close this card. I opened it due to the shopping cart trick craze)
Jcrew $250 ( I want to close this card. I opened it due to the shopping cart trick craze)
App for Discover, Sallie Mae, Fidelity AMEX, US Bank + and Barclays Ring!
@tonyjones wrote:App for Dis
@Creditobsessed12 wrote:Hey guys,
I just closed on my first house on Friday and I am dying to apply for credit cards. But unfortunately I have an issue with EQ and EX that just came up and that is not yet resolved due to an unknown account and my scores are 650 but my TU score is 744 and I have no baddies. Are there any cards that I can apply for now or should I wait till the EX and EQ issue is resolved?
I used to come up on the chase prequalifier for the chase saphire but ever since I had this fradulent account issue the bureaus placed a fraud alert and opted me out. I opted back in and I still do not see any offers. How long does that take? Should I wait till I come on the prequalifier again to apply? Hopefully they will only pull TU this way. I have the freedom and they pulled EX and TU not sure if they will pull both for a second card.
I really want to go on a spree before my mortgage reports and get my credit limits up. What cards should I apply for?
These are my current cards:
Amex - $5000
Amex Green - NPSL
Chase Freedom - $500
Capital One - Quicksilver $1750 (just got an increase on this 3 months ago)
Capital One - Quicksilver $1750 (just got an increase on this 3 months ago)
Capital One - Platinum $800 (just got an increase on this 3 months ago)
Macys $2500
Citi Best Buy Mastercard - $300 (I want to close this account. I don't want to waste a pull for a CLI)
Victoria's Secret $500 ( I want to close this card. I opened it due to the shopping cart trick craze)
Jcrew $250 ( I want to close this card. I opened it due to the shopping cart trick craze)
App for Discover, Sallie Mae, Fidelity AMEX, US Bank + and Barclays Ring!
Doesn't Fidelity Amex pull EX?
@Creditobsessed12 wrote:
@tonyjones wrote:App for Dis
@Creditobsessed12 wrote:Hey guys,
I just closed on my first house on Friday and I am dying to apply for credit cards. But unfortunately I have an issue with EQ and EX that just came up and that is not yet resolved due to an unknown account and my scores are 650 but my TU score is 744 and I have no baddies. Are there any cards that I can apply for now or should I wait till the EX and EQ issue is resolved?
I used to come up on the chase prequalifier for the chase saphire but ever since I had this fradulent account issue the bureaus placed a fraud alert and opted me out. I opted back in and I still do not see any offers. How long does that take? Should I wait till I come on the prequalifier again to apply? Hopefully they will only pull TU this way. I have the freedom and they pulled EX and TU not sure if they will pull both for a second card.
I really want to go on a spree before my mortgage reports and get my credit limits up. What cards should I apply for?
These are my current cards:
Amex - $5000
Amex Green - NPSL
Chase Freedom - $500
Capital One - Quicksilver $1750 (just got an increase on this 3 months ago)
Capital One - Quicksilver $1750 (just got an increase on this 3 months ago)
Capital One - Platinum $800 (just got an increase on this 3 months ago)
Macys $2500
Citi Best Buy Mastercard - $300 (I want to close this account. I don't want to waste a pull for a CLI)
Victoria's Secret $500 ( I want to close this card. I opened it due to the shopping cart trick craze)
Jcrew $250 ( I want to close this card. I opened it due to the shopping cart trick craze)
App for Discover, Sallie Mae, Fidelity AMEX, US Bank + and Barclays Ring!
Doesn't Fidelity Amex pull EX?
Yep!
I don't want an EX pull. I am looking for TU only.
@Anonymous wrote:If you are worried about getting approved due to the issue with Ex and EQ, I would apply for a Barclay card. They are known for only pulling TU. If you are not worried about the approval, then there are numerous cards that yo could apply for. Depending on what your spending habbits are and what you are looking for in a card, it is almost never ending.
I am worried about approval since my EQ and EX are not high but TU is pretty high. My CC balance is $229 out of 11,500 so my util is very low. I was looking for cards that only pull TU. Do you think Barclay will give me a decent limit? Which card should I go for?
@Anonymous wrote:
@Creditobsessed12 wrote:
@Anonymous wrote:If you are worried about getting approved due to the issue with Ex and EQ, I would apply for a Barclay card. They are known for only pulling TU. If you are not worried about the approval, then there are numerous cards that yo could apply for. Depending on what your spending habbits are and what you are looking for in a card, it is almost never ending.
I am worried about approval since my EQ and EX are not high but TU is pretty high. My CC balance is $229 out of 11,500 so my util is very low. I was looking for cards that only pull TU. Do you think Barclay will give me a decent limit? Which card should I go for?
The Barclay Ring and/or Sallie Mae cards should give you a descent credit line. As previously stated, since you are only wanting to pull from TU, they will be your best bet for now.
I applied for Sallie Mae and was approved but my limit is 5k. I was hoping it would be higher any way they would increase it now? How do CLI work with them?