Chance at QS or Venture with no AF?

[MyLoFICO]

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@kdm31091 wrote:

With 8 new accounts in 2 months, I think it would definitely not hurt to take a break for 6 months before applying for anything else.

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I have to wait 12 months fomr soemthing else so 6 months is not a huge issue. 

[Anonymous]

You can be approve. I guess they don't care about inquiries. I have total of about 60 on file and recently got a QS with 8000 and venture with 15000 SL. I also have a platinum that was upgraded to QS with 2000 limit and a QS1 with 3000 limit and a 500 secured card when I started rebuilding in March 2015. It's time for me to cancel my secured 

[OmarGB9]

^Yes, you can be approved with many inquiries on file, but 60 inquiries on a thick file won't have nearly the same outcome as 60 inquiries on a thin file. Also income and the rest of the file plays a role.

[Anonymous]

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@MyLoFICO wrote:

Looking to see if you all think I could get approved for a QS or Venture. Not the one with the AF. Scores and Inq’s in my signature are current as of 2-22 and they are honestly probably a couple points higher now but I don't want to guess. Plus:

1 baddie (CO) from 6 years ago but reporting past due every month

Income $63K

Util 9%

TCL 27k (actually 47k but the increases don't show yet)

8 new accounts in the last 2 months

AAoA 4 yrs 3 mos

Mortgage that has lates over 2 years ago

About 5 car loans all paid off except my current one. All of them = Never late.

I have 1 QS1 that just transitioned from Platinum to QS1 3 months ago. $0 of $1750 limit used

I have 1 new QS1 that is about to cut its 5th statement. $1063 of $2150 limit used

I have 1 Spark Classic $0 of $500 limit used

I am not itching to app, I am just curious since the Pre-qualifier shows nothing and hasn’t for a long time. Both my QS's have $3k in payments last month alone. I am more curious as to what might be hurting me the most.

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I knew my chances of approval for the QS were slim to none and apped for the journey and was approved for $300. After my first statement cut, I got on chat and told the CSR that the journey card will never grow and that I have ran over $1000 through the card in 30 days and needed a card that would grow. He told me he would PC the Journey to QS if I wanted but the CL would remain the same. I agreed.

Once my 2nd statement cuts which should be tomorrow I am sure without a doubt that I will get a CLI upon request.

[MyLoFICO]

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@Anonymous wrote:

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@MyLoFICO wrote:

Looking to see if you all think I could get approved for a QS or Venture. Not the one with the AF. Scores and Inq’s in my signature are current as of 2-22 and they are honestly probably a couple points higher now but I don't want to guess. Plus:

1 baddie (CO) from 6 years ago but reporting past due every month

Income $63K

Util 9%

TCL 27k (actually 47k but the increases don't show yet)

8 new accounts in the last 2 months

AAoA 4 yrs 3 mos

Mortgage that has lates over 2 years ago

About 5 car loans all paid off except my current one. All of them = Never late.

I have 1 QS1 that just transitioned from Platinum to QS1 3 months ago. $0 of $1750 limit used

I have 1 new QS1 that is about to cut its 5th statement. $1063 of $2150 limit used

I have 1 Spark Classic $0 of $500 limit used

I am not itching to app, I am just curious since the Pre-qualifier shows nothing and hasn’t for a long time. Both my QS's have $3k in payments last month alone. I am more curious as to what might be hurting me the most.

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I knew my chances of approval for the QS were slim to none and apped for the journey and was approved for $300. After my first statement cut, I got on chat and told the CSR that the journey card will never grow and that I have ran over $1000 through the card in 30 days and needed a card that would grow. He told me he would PC the Journey to QS if I wanted but the CL would remain the same. I agreed.

Once my 2nd statement cuts which should be tomorrow I am sure without a doubt that I will get a CLI upon request.

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I would be extremely surprised if you did. I have tried on both of mine. One says "account too new" and the other says it recently got an increase. The one that is too new is almost 6 months old.