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How long does it take to get some cc love?

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Anonymous
Not applicable

How long does it take to get some cc love?

My scores (according to my fico) have finally climbed since removal of old baddies last month. I only have one 4 yr old medical collection ($150) that I am working on. Utilization is less than 5%, aaoa is highest with exp and lowest with tu. Only 2 inq with eq and exp, 3 with TU.  New accounts and "too few accounts" are the negative bullet points. I randomly tried some prequalifiers and don't get the love. Since my DH got the cap 1 love, I am just going to be an AU while I garden. How long does it normally take to start getting some prequalified cards to appear? I expect to hit the 700 mark across the board by the summer. 

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9 REPLIES 9
Anonymous
Not applicable

Re: How long does it take to get some cc love?

Looking at the scores in your sig line, I don't think you necessarily need to wait for pre approvals. Who have you tried apping with?

Message 2 of 10
taxi818
Super Contributor

Re: How long does it take to get some cc love?

Yes pre quals is not a real determining factor. since you got the bad things removed. your scores are now in the good range to get a couple of cards at least. and garden. as the cards will help your scores go up faster. so even without a prequal. maybe get a cap one card. and try for a second card. then let it go. don't do too much too fast. and your scores will climb fast.

Message 3 of 10
wmweeza
Established Contributor

Re: How long does it take to get some cc love?

I think the reason I am never prequalified is because I opted out years ago, maybe you did too?


Last App 10/14. FICO's: AMEX Ex 846, BarclayTU08 815.FAKOs:CreditKarma 775,CS score 771.BofA 5400,Target $5000,Barnes $8500,Amex $22k
Message 4 of 10
Anonymous
Not applicable

Re: How long does it take to get some cc love?

I updated my scores. When I did that earlier, I put it in the private notes section by accident. I thought my scores would be good enough for at least a foot in the door but apparently not. I tried chase (which showed the freedom card a couple weeks ago) and there weren't any offers. Discover and amex had no offers. Cap 1 just gives me the platinum (have the QS). Either myfico scores are off or the scores they are using are off. It is just a little discouraging. I guess I will wait a month or two and try them again.

Message 5 of 10
chwebb1
Established Contributor

Re: How long does it take to get some cc love?


@Anonymous wrote:

I updated my scores. When I did that earlier, I put it in the private notes section by accident. I thought my scores would be good enough for at least a foot in the door but apparently not. I tried chase (which showed the freedom card a couple weeks ago) and there weren't any offers. Discover and amex had no offers. Cap 1 just gives me the platinum (have the QS). Either myfico scores are off or the scores they are using are off. It is just a little discouraging. I guess I will wait a month or two and try them again.


I wouldn't rely on prequalifiers. With those scores, I'd try for a Barcaycard (maybe the Rewards card?) if it interests you, and garden that for a while. You could also try to cold app for a Discover card too. Discover's prequalifier site is useless anyway (it says anyone is preapproved).

 photo NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Message 6 of 10
takeshi74
Senior Contributor

Re: How long does it take to get some cc love?


@Anonymous wrote:

How long does it normally take to start getting some prequalified cards to appear?


It varies but don't rely on prequals.

 


@Anonymous wrote:

Either myfico scores are off or the scores they are using are off. It is just a little discouraging. I guess I will wait a month or two and try them again.


myFICO isn't off.  It's certainly possible that these creditors don't use FICO 8 scores though.  Again, don't rely on prequals.  Apply when your credit is in shape.

Message 7 of 10
JoshuaHolySpirit
Frequent Contributor

Re: How long does it take to get some cc love?

With those February scores, I don't see why you're not in with Cap One QS1, Platinum or Barclays Average Credit.

Maybe you don't want those cards?

 

EDIT: You said, #5, you have the Cap One QS.

Capital One QS1, Capital One Journey, Williams-Sonoma Visa, Amex Travelocity, Chase Slate, Amex SPG, Amex Blue Sky, Bank of America Travel Rewards, JCPenney...and more ( Holy Spirit rocks-!! ) TU-Fico-777
Message 8 of 10
Anonymous
Not applicable

Re: How long does it take to get some cc love?


@Anonymous wrote:

I updated my scores. When I did that earlier, I put it in the private notes section by accident. I thought my scores would be good enough for at least a foot in the door but apparently not. I tried chase (which showed the freedom card a couple weeks ago) and there weren't any offers. Discover and amex had no offers. Cap 1 just gives me the platinum (have the QS). Either myfico scores are off or the scores they are using are off. It is just a little discouraging. I guess I will wait a month or two and try them again.


I had no offers from Amex when I applied and got one. 

Message 9 of 10
MaisCher
Frequent Contributor

Re: How long does it take to get some cc love?

I checked prequal before applying for AMEX, Chase, and Cap One Venture and didn't have an offer for any of them. I got them all...

 

I opted out like 7 years ago and just opted back in last August. Not sure if that is a factor or not. 

   

Current Score: EQ 699 TU 719 EX ? as of April-2016

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