Re: Back in the mix! Maybe it's time?? VENTURE

Slim1Der · ‎04-17-2015

Hey MyFico Family,

It's been a minute since I posted. Closed on my Navy Fed 5/5 ARM mortgage Feb 28th and as happy as a clam! But boy did I rack up some CC debt since then with improvements and the like.

Anyway, the hunger for more has reached it's peak so I was thinking of apping for the VENTURE card seeing as all that's happening. MyFico scores are as follows

EX: 709 TU: 718 EX: 716

Income: 10k/month

Check out my siggy for the current cards I got and my UTI is sitting at 18.26% across all cards.

Let me know if you have any input if I would get approved and keep in mind my BK Discharge of 01-09

Thanks for any help!

It's great to be back as a homeowner once again!

Regards,

Slim

EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009

Gerald56 · ‎04-17-2015

my score was around 680 when i applied for venture 2 months ago. when that 10k popped up i about fell on the floor ;-)

almost forgot.. my bk was discharged nov.of 13

happypill · ‎04-17-2015

Think your liklihood of approval is high. You should go for it! You can try the prequal first to see what they say.

Gerald56 · ‎04-17-2015

prequal is exactly what i used too.

Slim1Der · ‎04-17-2015

@Gerald56 wrote:
prequal is exactly what i used too.

The pre-qual site says I have nothing coming! Tells me to app for the CapOne Classic!

Oh well

EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009

KellyP25721 · ‎04-17-2015

I have 3 Cap1 cards and wasn't prequalified for any of them so don't let that be the deciding factor!

Starting Score: 573 (EX Faco) | Current Scores: EX(Fico) 674, EQ(Fico) 668, TU(Fico) 691

datrucking210 · ‎04-17-2015

Go for it!

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

Ebates Visa SL $3,200 to $20,000, 25.24%

NFCU Cash Rewards Visa Signature SL $15,300 to $18,000, 14.90%

Lowe's Store Card SL $500 to $5,000 to $17,000, 24.90%

RBFCU Premier Rate Mastercard SL $15,000, 9.95%

Sam's Club Mastercard SL$3,600 to $10,000 to $15,000, 23.15%

Stash Hotel Rewards Visa SL$3,000 to $15,000, 16.24%

J Crew Store Card SL $250 to $4,450 to $12,450

Generations FCU Earned Premium Rewards Visa Siggy SL $7,000, 9.25%

Amazon Store Card SL $600 to $3,500 to $4,000 to $6,000

Citi AAdvantage Platinum Select World Mastercard SL $5,000

JCPenney Store Card SL $500 to $3,500 to $5,000

PenFed Platinum Rewards Visa Siggy SL $5,000, 17.99%

Overstock Store Card SL $2,200 to $3,700

Kohl's Store Card SL $400 to $700 to $1,500 to $2,500 to $3,000

Barclays Rewards Mastercard SL $750 to $1,500 to $2,050

Victoria Secret Store Card SL $500 to $2,000

Lenovo Preferred Store Card SL $1,200 to $1,600

Barclays NFL Extra Points Visa SL $500 to $1,400

BankAmericard Cash Rewards Visa SL $500 Secured Don't Judge, wanted in with BofA and was offered this after being declined

RBFCU Cashback Rewards Mastercard SL $1,000

AU:

Walmart Mastercard SL $1,800 to $2,600 to $8,000

Barclays Rewards Mastercard SL $2,500 to $3,500 to $4,450

joedtx · ‎04-18-2015

@Slim1Der wrote:
@Gerald56 wrote:
prequal is exactly what i used too.

The pre-qual site says I have nothing coming! Tells me to app for the CapOne Classic!
Oh well

Based on your scores and limits I don't think you have anything to worry about, just determine if the card fills your needs and will serve a purprose. Good Luck on your decision.

Anonymous · ‎04-18-2015

@Slim1Der wrote:
EX: 709 TU: 718 EX: 716
Income: 10k/month

Regards,
Slim

15-20K Venture or bust.

Get the Lowe's card after

Congrats on being a homeowner ... again

Anonymous · ‎04-18-2015

Maybe focus on paying the 22k in debt you have before worrying about getting another card.

It's great to have a diverse portfolio with lots of rewards, but when you are paying interest, the rewards don't even come close to offsetting.

Just my 2 cents.

Back in the mix! Maybe it's time?? VENTURE

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Back in the mix! Maybe it's time?? VENTURE