@SouthJamaica wrote:
@BallBounces wrote:Just musing, mostly, but wanted to float an idea for opinions:
Current revolvers and some notes:
- CreditOne 0/750 which I took on as a 2015 rebuilder. Very very likely to be closed on anniversary in May.
- Amazon Store 0/1300. 2015 rebuilder. Great for my UTIL right now. I have tried for a CLI and was rebuffed. This card has little use for me but I have no plans of discarding it. Middle term retention, unless i get CLIs and will keep it as long as it keeps pace.
- Cap1 QS1 1000/3500. Still on 0 APR and is my current daily user. 2015 long term retention/growth card.
- Local CU via Elan 1500/2000. 0 APR and paying down a large purchase. 2015 and mid term card. (I will keep the card as long as it's CL keeps up. Not sure if it will.)
- Citi DP. 0/500. The thorn in my side. 8 year old trade line. my oldest ACTIVE tradeline. I think they took AA several years ago which is where the 500 CL comes in. I have many attempts in for CLI in the last year, all fail. Long term card because of the age, and they better grant a CLI at some point. Good grief, citi.
I probably have a 2 or 3 months window if I am going to apply for any more cards. After that I will likely want to shut it down for year in advance mortgage prep.I am also concerned about AAoA (currently ~7 years) given all the new cards and some old closed tradelines that will drop in the next 24 months.
I'd like to have a 4-5 more thousand in credit in the near term. CLIs are dried up.
My scores are (Fico8 and fico8 bankcard) from 650-690. Prior models are20-30 points lower.
I do have negatives on the reports, despite the fair/good scores.
Should I target one more app? I am thinking another Cap1. Maybe Barclays. Chase is OUT. Thoughts?
Here's what I would do:
1. Never again apply for the Citi CLI until it no longer says "By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request."; otherwise, they are all hard pulls, and killing you.
2. I'd say apply for the Barclay Rewards card. Then, win, lose, or draw, go ahead with your plan to garden for a year.
Obviously, all the cit CLI requests I have ever initiated have been SPs. I would not use an HP. I have between 7 and 10 HPS on my reports right now, with several to age over a year in a few moinths. Not an alarming number.
