So last year my score tanked because i had maxed out the only two credit cards i had (C1 Venture and QS), score i believe was in the high 500s at some point and low 600s, paid off both cards and that boosted my score in the mid-high 600s, used Experia Boost recently and that took it to 704.
anyway, here is where im at so far:
Capital One Quick Silver - had it for 5+ years and started at $300, now is at $1050, has been challenging to increase due to my high balance
Capital One Venture - had it for 5+ years, started at 750, now at $950 again barely any CLI due to high balance before paying it off
Applied for Apple card, approved with $500 in January, CLI two weeks ago for $1,750
Best Buy Card (Citi) approved April for $2k
Amazon Prime Chase approved 1st week of may for $2k (got the nice $150 gift card welcome bonus)
Amex BCE approved last month for $1k
Lowes Advantage Approved last week for $600, called them up right away for a CLI and increased to $17k
I think im done now but my question is, that United Explorer is looking nice but im now learning about the 5/24 rule, and im not sure if i should even bother trying, Chase preapproval shows the usual " don't have any offers right now maybe due to opting out blah..."
should i go ahead and try anyway or wait?? Experia is only reporting 3 inquiries so far, Equifax is not showing any hard inquiries yet but is reporting the new accounts added.
