@Anonymous wrote:
I took 3 Hps today ( 2 EQ 1TU EX: unknown).
I was thinking of adding an Amex ED card in for the AAOA pading since I have a 2014 MSD. Soft pull on decline, etc.
Barclay just gave me a $10 limit on my SallieMae a few hours ago.
How likly is it that they drop the hammer with ONE more APP?
I kinda want to do this now to get near maximum return on the back date as adding 3 cards to a short AAOA is going to be a huge score drop. Lost 6 points due to INQS alone.
That's a very nice CL on Barclays
If you Score/Income support, you should check Cap One, they are giving nice CL on the Venture Card 
@Anonymous wrote:
@longtime_lurker wrote:
@Anonymous wrote:
I took 3 Hps today ( 2 EQ 1TU EX: unknown).
I was thinking of adding an Amex ED card in for the AAOA pading since I have a 2014 MSD. Soft pull on decline, etc.
Barclay just gave me a $10 limit on my SallieMae a few hours ago.
How likly is it that they drop the hammer with ONE more APP?
I kinda want to do this now to get near maximum return on the back date as adding 3 cards to a short AAOA is going to be a huge score drop. Lost 6 points due to INQS alone.
It's overrated, IMO. After I had a 3 card spree, and a total of 5 newish cards (<6 months) showing on CR, I got my SM last year instant, almost matching my then highest limit of 7k and giving me the lowest advertised rate. Now, my US WMC after a couple new cards was a recon at 24.99% LOL
As for AA, however, it's unlikely - UNLESS - you spook them by doing something like carry balances. I always PIF, and they know it and appreciate on their card (the analyst specifically mentioned how good that was for me to do with them).
Ah, ok Ive NEVER carried a balance. even on a 0% APR card. Balance Carrying is a no no for me. I dont even like posting balances on my cards.
I like posting balances on 1 card at a time. Then my high balance shows on the CR, which would give an analyst at another bank an indication that my cards are indeed being used. I think at last glance (minus my PRG), all of my accounts show a high balance of over 1k, with 1 or 2 near the 5k mark. Whether it matters for an approval, I don't know. But if I were an analyst and I saw a lot of cards with high balance of 0 or similar, I would wonder why you need the CC.
It's probably me just overanalyzing my CR.
@longtime_lurker wrote:
@Anonymous wrote:
@longtime_lurker wrote:
@Anonymous wrote:
I took 3 Hps today ( 2 EQ 1TU EX: unknown).
I was thinking of adding an Amex ED card in for the AAOA pading since I have a 2014 MSD. Soft pull on decline, etc.
Barclay just gave me a $10 limit on my SallieMae a few hours ago.
How likly is it that they drop the hammer with ONE more APP?
I kinda want to do this now to get near maximum return on the back date as adding 3 cards to a short AAOA is going to be a huge score drop. Lost 6 points due to INQS alone.
It's overrated, IMO. After I had a 3 card spree, and a total of 5 newish cards (<6 months) showing on CR, I got my SM last year instant, almost matching my then highest limit of 7k and giving me the lowest advertised rate. Now, my US WMC after a couple new cards was a recon at 24.99% LOL
As for AA, however, it's unlikely - UNLESS - you spook them by doing something like carry balances. I always PIF, and they know it and appreciate on their card (the analyst specifically mentioned how good that was for me to do with them).
Ah, ok Ive NEVER carried a balance. even on a 0% APR card. Balance Carrying is a no no for me. I dont even like posting balances on my cards.
I like posting balances on 1 card at a time. Then my high balance shows on the CR, which would give an analyst at another bank an indication that my cards are indeed being used. I think at last glance (minus my PRG), all of my accounts show a high balance of over 1k, with 1 or 2 near the 5k mark. Whether it matters for an approval, I don't know. But if I were an analyst and I saw a lot of cards with high balance of 0 or similar, I would wonder why you need the CC.
It's probably me just overanalyzing my CR.
+1, I have been carrying balance on my Total Rewards Card 0% for 12 months and they just gave me another $3K CLI , Total CL $20.5K
