@CreditCuriousity wrote:
@12njoy wrote:They must use a different type of scoring model. They have my EX FICO at 676. My First Bankcard has it at 713 (same dates)
usually use 04 scores not enhanced.. I think that means you hit their ceiling as well is my guess unless manual UW will turn it over. Best of luck
Thanks CC. It's doubtful, but hopeful
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
@ddemari wrote:
I have 5 but had 4 a month a ago. I closed a card and waited for the prequal. Took a few months but finally happened. Cold apping for cap1 cards when I was ever at the 4 card mark resulted in denial.
Thanks for info. I never got any prequals from them. I've always cold app'd.
guess no more preq after 5 then?
@kdm31091 wrote:
Sounds like you have hit their ceiling. If I were you honestly id strongly consider taking a break from apping for awhile.
Thanks for the advice but one size doesn't fit all in this game called credit.
@Anonymous wrote:
@12njoy wrote:
@kdm31091 wrote:
Sounds like you have hit their ceiling. If I were you honestly id strongly consider taking a break from apping for awhile.Thanks for the advice but one size doesn't fit all in this game called credit.
what is your credit goal?
To get as much credit as I can. It's my goal. I'm not seeking approval.
@redpat wrote:
@12njoy wrote:
@kdm31091 wrote:
Sounds like you have hit their ceiling. If I were you honestly id strongly consider taking a break from apping for awhile.Thanks for the advice but one size doesn't fit all in this game called credit.
It looks like you made this game (as you call credit) into an arms race, lol.
Looks like you hit the wall with CO and maybe others as well, IMO.
That may be and it's intriguing to me. Yes I've reached my limit with many creditors and that's not going to stop me from going forward.