Hello All,
Lurking for about a year but I’d like some advice.
I think I put relevant info in my sig...
When I got approved for my Cap1 Secured card I also applied for Discover Secured and got turned down. I called them and all they would tell me is there was enough bad stuff for a denial basically.
Just 2 weeks ago my score was up to 648 across the board and I tried the Capital One pre approval site and it showed me options for both the Platinum Card and the QS 1. I opted to take the QS1 and got a limit of $300 which I know is low but it felt good to get approved for any kind of unsecured. And I want the cash back.
I’ve also been an A/U on an AMEX everyday with a limit of 3000 for about 6 months.
Now I’m due for my CLI on the Cap One secured next statement.
Well I went back and Tried Discover pre approval and it said I’m now approved for a Discover IT secured card through Jan 18th
I have one baddie still . $111 from Waypoint Resource Group. I could easily pay it but I want to get it removed so I’m figuring how to do that.
I’ll have enough money to pay off all cards in about 2 days. I’m at 30% now and I pay off in full every month but didn’t know when my closing dates until recently.
My questions;
Should I sign up for the Discover now, take the secured card and make it my 3rd card?
Does the Amex count towards my 3 card portfolio since I’m an Authorized user?
Would it be better to wait before looking at Discover again? I’ll have that baddie gone in a few weeks and my balances down under 10% all that should get me up to 680-700
Thanks! Hopefully that all makes sense.
-James
Credit repair start 1/15/2018 TU-483 , EQ- 512, EX-490
Past check in Credit Score 1/12/2019 TU-642, EQ-642, EX-650
Todays credit scores
805 - EQ , 815 - Ex, 790 - TU
Original Cards
Capital One Secured Card- $200
Capital One QS One Card- $300
AU on Amex Everyday Card- $3,000
Current Cards
Amex Gold
Amex ED Preferred - 19k
Chase SP - 25k
Discover IT - 15K
Synch Home - 20 K
Pen Fed - 25k
TDECU Onyx - 10k
Cap One Qs - 6k
Cap one Plat - 500$ lol