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Been gardening about a year and some change..Scores are 766EQ 781EX 704 TU(TELL ME ABOUT IT) Utl 24% Out of $70,000 Mostly my cap1...I wanna go for penfed,Marvel,Nfcu,Delta,Marriott,Ritz Carlton,American air,Southwest as I travel for work ALOT...
@Anonymous wrote:Been gardening about a year and some change..Scores are 766EQ 781EX 704 TU(TELL ME ABOUT IT) Utl 24% Out of $70,000 Mostly my cap1...I wanna go for penfed,Marvel,Nfcu,Delta,Marriott,Ritz Carlton,American air,Southwest as I travel for work ALOT...
I certainly wouldn't apply for all of those at once or even in a short period of time. I'd pick out 2 or 3 and focus your efforts on those.
Without a doubt - NFCU & PENFED ! Then maybe a travel card or two !
Wasn't going to for EM all...Maybe 2-4
My cap 1 is at about 69% Utl...Do u think that would effect the outcome or should I wait till my cap 1 updates as I got it to 25% Utl
@Anonymous wrote:My cap 1 is at about 69% Utl...Do u think that would effect the outcome or should I wait till my cap 1 updates as I got it to 25% Utl
I would wait for it to update.
@creditguy wrote:
Pick one from each category for now i.e. Airline, Hotel and dining and add a new card every six months or so to prevent too much damage. Keep in mind that there is some evidence chase 5/24 has taken effect on some co branded cards so app accordingly.
Agreed.
@tussking wrote:Without a doubt - NFCU & PENFED ! Then maybe a travel card or two !
+1
I'd personally start with these also
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |