@Anonymous wrote:
Where should i apply to if i want a cc with high limit to do bt or cash advance with no fees. By the way would i qualify for an auto loan with this profile
MyFico Scores:
Eq:749 Inq:6
Trans:750 Inq:7
Exp:751 Inq:7
AAoA: 9 Months
Util:6%
lol i know its weird my credits scores are displayed in chronological order
Accounts
Personal: Cap 1 Journey: 300 Cap 1 Platinum: 4000 Credit One: 450
AU: Barclays: 18,900 Chase Freedom: 18,900 Amex: 18,900
Upset Amex stopped back dating because it dropped my AAOA and is being listed as a new account au when they told me it would be a joint accoun wasted a hp
Auto loan - should be a lock anywhere with those scores. Focus more on getting the best APR which should be somewhere in the 2% range depending on the CU.
CC - I don't know what you consider to be a "high limit" looking at your current lineup. Once again a CU is probably your best bet due to the lower limits you currently have. AAOA isn't that big of a factor but, it's showing you have been adding accounts recently which hammers the number downwards.
For the CC I would just consider adding one through the same pull if you find a CU that tickles your fancy for the auto rate. If they don't offer one I would sit on my hands for the CC app anywhere else for the time being due to the AAOA and limits. Let things mature a little bit say 6-12 months and it will set you up for success on getting that 5-10K approval down the road. Maybe sit down and take a look at where things are currently and come up with some ideas on where you want to be in 3-5 years with them. Do you want to buy a house or something? Mortgages like to see 3-5 lines with 2 years or more history. Cars are an easy buy when it comes to lending because there's an asset for them to come after if you're missing payments and they're not usually high cost items. I know your fingers are itching to submit some apps but, take the time before making the decision. Credit is a marathon and not a sprint! Scores are only one factor when it comes to actually getting an approval when it comes down to it.
. Dont need to serve, just join Navy League, San Diego chapter and you will be eligble to join
. Check out Personal Finsnce section to read up on the process.
