HEALTHY CREDIT

[Anonymous]

Back in 6/15 my credit score was 514, NO CARDS, .....got a CAP1 w/300...been very responsible, today I have 2300 on 1st cap1..2250 on 2nd cap1...Discover1500...Barclay1500...Chase freedom1000...Amex everyday blue cash 500...Amex prefered blue cash 6000...Kohls 700..Credit 1 700...wayfair..2800....Overstock 4800....Sportsman guide visa 3500....My EX is 739...EQ...666....TU 687....Applied for Delta Sky miles last night and got a message, "We need to talk to you for INSTANT decision"  Bummer as they are CLOSED FOR HOLIDAYS...BUT NOT DECLINED. I want the Merril Lynch + visa....any thoughts on how to proceed

[austinguy907]

Stop applying and try for it in 2018.  You've obtained a very large amount of accounts to the point where you may not get approved for the AMEX let alone anything else.

[Anonymous]

Did you just recently applied for all these cards or did you just apply for the DSM ?

[Anonymous]

These are cards I've been approved for since 6 of 15...

[Anonymous]

AA is gonna get you if you don't start using restraint.

[elim]

CAP1 2300
cap1 2250
Discover 1500
Barclay 1500
Chase freedom1000
Amex everyday blue cash 500
Amex prefered blue cash 6000
Kohls 700
Credit 1 700

wayfair 2800
Overstock 4800
Sportsman guide visa 3500

many of us here with that many accounts in 1.5 years.  You should be good to go if the inquiries/accounts were spread out over time (and you haven't app'd in a few months).

[Anonymous]

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@Anonymous wrote:
AA is gonna get you if you don't start using restraint.

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That happened yesterday w/comenity. Closed 8 accounts, some not listed above. 

[Anonymous]

YUP..Justagirl73............some store cards too. after some reasearch, its a regular behavior by comenity....it is what it is.  It cost me some time, HP'S and maybe some score drop to learn they arent for me...

[Anonymous]

I think the biggest lesson to be learned is WHY it happened to avoid in the future.

Realistically, if you only had 1-2 accounts with them, they would probably still be open. 

This was not a lender issue, it was a behavior issue. JMO

[Anonymous]

Yes, a behavior issue for sure...wats bewildering is they have done this too folks with cards that have been open for some time, ppl with great credit, perfect history with them....then ya have others that in a short time get cards via SCT...5,6,7,8.....and they don't bother them...I have 4 cards with AMEX....all with in 45 days, they arent closing them...they are increasing my limits...Cap 1...2 opened in a week....not closing, increasing limits....etc...I ve dealt with lots of credit card companies....Comenity is a differnt kinda duck....If it were MY behavior, seems to me ALL the CC companies would be treating me the same....Yeah, I played a part, but haven't done anything unethical or fraudulent....lesson learned is this.....REASEARCH FIRST