Okay, I will use this to help answer a previous post and it's comments!
I love you guys so much, I am naming my first child "Fico". 👶👶👶
So much better than "Fido"
So, a couple mos. ago, I got my first 803 on EX, got a 4k increase on my Citi DP, moving it to 14k on one SP. I was jazzy jeffness, yanno?
Then, I apped for 2 cards, Nordstrom Vis Sig, and Citi DC, got both, 5k and 11k.
I died, and freaked, and the Lord of 'aight' brought me back for the night is dark and full of errors.
So, a couple weeks ago, my stupid TU's Vantagescore finally caught up from 640, and with ALL those CLIs and new larger cards, my scores now are about 750. EQ is now at 760 on Credit Karma.
I did a small BT over from my highest card (Disco), bringing it well below 30% util, in fact, now every card is well below 30% util, ... also my Cap One new Venture and QS (I PC's both so now I get cash back, yay!!!!), and every card I got changed became Visa Sig or MC World Elites! And my new APR's are between 17.00 or 18.50!
😛😜😝🤯😀 Totally worth the mass Util drop, all my Ficos are about 750 to 800+ and so are my Vantagescores.
Cool. So, Disco saw my 2000+ payment/BT, and those new scores, yesterday gave me an increase from 10k to 14,700k!!!!
So, even LOWER util! And I've yet to try to increase my last couple cards, my Cap1 Venture (which usually gives biggish auto increases, but after my Vantagescores all came back gravy, I asked on my Cap1 app. Said, wait 3 days to be told! 😢😭😓
Uh-oh. Also, my Citi DP has offers online for new 0% terms, but not a better card. I am told to call from what I can read online and I should be able to at least get a card with Thank You points because I wanna travel, I want points, and my EX FICO is still high!
But I'm scared. Calling, ...what do I expect? No auto offers for a PC on an online app or link??? Must call? Really?
But, now ... my Cap1 says wait, but my VScore TU is about 750 or higher, and my FICO is like 780!
Will they call me? Deny me for too many increases?
And I've had my Citi DP for 2 yrs, so the PC request if I call should be smooth?
Cuz I'll take a Vallium if need be!!! 😢😭😰
Last, but never least, ... a HP dropped off this week. Another will in less than a month. One (maybe) 2 more in Nov. So, I'll be in the 5/24 or less club for the first time soon.
But, ... I was thinking, ... what if I tried for one more app???
I mean, ... I could use a plain Amazon, not a Chase card, and maybe change it later, right?
Or Ebates, cuz cashback is cashback! That thought rocks! Or maybe, ... what? A good co-branded card, good points, maybe a bad ass points back? HMMM?
Or should I go back to those mofo's in my head and chill them diggers out???
But, .... ack! SO DOING WELL, right? And you all taught me!
I wondered about stuff like the Marvel Card, and eh. *shrugs*
But what about a Savor card, or my first AmEx? Basic, so no scary blue mail threatening to take my priority boarding or lounge or travel points away?
I dunno. But waiting for Cap1 to answer is super suck, however, one last hurrah before I garden till at least Nov. would be a great start and I dunno how many are hyped or hooplah, sooo, ...
Lol, my Utilization dropped on it's own from 26% to about 14% (not yet counting my Disco CLI).
If YOU guys say stay! I'll stop! Kool in the gang.
But if you believe that with my new GODLY scores, I could get a good card with cashback or travel perks, and suggestions are VERY much appreciated.
Any advice on what seems best is muchly thank you-ed!
Okies. Gonna go pace around till I get dizzy and feel less confused, more dizzy.
Oh, and my PayPal Extras MC hasn't moved from $300 CL since I got it in like June of last year.
Any ideas about how to CLI THAT messness?
Love yas velly mush! Bye bye! 😅😝😜😛😎
That's like a whole lotta credit vomit to sift through.
Citi is easy to deal with and no nonsense when it comes to PCing to something different. 1 thing to think about is when you PC you start//stop clocks depending on what you're doing. DP doesn't really tie into any "program" to speak of so, it shouldn't impact much whether you go TY rewards or anything else. Personally I would probably PC into a DC instead of TYP since you wouldn't get any bonus points with a PC vs APP.
------ you have to call, they don't do much online // it's possible to have 2 DC's if need be to retain the account for age/CL padding
Cap1 could go either way on the 3 day. Unless you're primed for scores and spending a ton with them it's futile though long term.
E-bates can be intriguing if you actually use them quite often but, it's a no frills PIF card that doesn't thave perks.
PP card....there should be an online CLI option and it should be easy to bump it being Sync and all.
As to Amex / Chase.... .Amex is going to eyeball EX for an approval and once you're in it unlocks all of the cards they offer for SP approvals. Chase of course is the big one to count your cards before you app. If you have an existing login with them you can view pre-qual offers beforehand and I think even their credit journey product offers some insight as to pre-approvals as well.
Check you account /24 easily through CK on this link it will allow you to sort them by date - https://www.creditkarma.com/myfinances/creditreport/#accounts
-- you can also sort by date with a free Experian account
I think I hit the major points.... I was the one that pushed you on the DC/Nordstroms approvals.