BLUE NILE CREDIT CARD

[Anonymous]

I could try to get the score to 700 I'd have a better shot. I have no late payments bankruptcy or delinquencies of any kind.

[Santi78342]

Fastest way to boost your score is utilization! What's that looking like for you? More than 1 card with a balance? 

[Anonymous]

besides a mortgage I only have one credit card with a $400 limit. I pay everything cash

[ojefferyo]

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@Anonymous wrote:
besides a mortgage I only have one credit card with a $400 limit. I pay everything cash

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With just 1 card at $400 it may swing in a not so favorable way, at least the SL they give you anyways.

[Anonymous]

Yeah, that is the prefect way to handle your finances but a flawed way to handle and build tons of credit. Run not walk over to the capital one preqaul site and try to get a cash back 1.5% card. Put your monthly expenses on that thing and pay in full every month. Multiple payments a month especially if they stick you with a sub 1k limit. youll make money just by using the card. You really need more than one solid credit card for other credit cards to consider you and hand over worthwhile offers and spend limits.

Capitalone, chase freedom, and discover are all giving out huge incentives, try for at least one of these if you dont have more than 1 or 2 recent inquries.

[Unverzagt]

I just cold apped for the card on Friday, instant approval of $1500

Set up online account immediately, said CLI wasn't avail via online. So I waited today and called on the phone to automated system. In $500 increments. ...boom all the way to $11,500

Fresh bk discharged in March 2015
Only $38000 annual income
Equifax score per myfico 615

[Unverzagt]

I just cold apped for the card on Friday, instant approval of $1500

Set up online account immediately, said CLI wasn't avail via online. So I waited today and called on the phone to automated system. In $500 increments. ...boom all the way to $11,500

Fresh bk discharged in March 2015
Only $38000 annual income
Equifax score per myfico 615

$31000 in available credit including this trade line, utilization is 2%

[Creditaddict]

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@Anonymous wrote:
besides a mortgage I only have one credit card with a $400 limit. I pay everything cash

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You NEED more credit!

Open 2 capital ones

apply to discover

check pre-qual for amex, chase, and citi and apply if you have an offer!

[Anonymous]

When y'all got approved, did y'all have to wait for the actual CC to come to setup your account? Because, it only identifies the last four digits of the CC #. Just wondering?
Thanks, Dexter

[RonM21]

OP, as others mentioned, I think you may need to build more, to increase the chances of getting the desired limit. Because you haven't established much with CC's, lenders are more likely to take a cautious approach with you right now.