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Should I.....

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Anonymous
Not applicable

Should I.....

Stop applying or continue to apply for more credit....went 3/4 Approved for Amex Gold,Chase freedom,total rewards Visa and denied for us airways barclays.....aaoa 6 Yrs,scores 758ex 757eq 806tu...and what should i apply for...utilazation 1%

Message 1 of 25
24 REPLIES 24
NRB525
Super Contributor

Re: Should I.....

You just went from 1 store card to add your first 3 solid CC?

Stop. Stop now.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 25
Anonymous
Not applicable

Re: Should I.....


@Anonymous wrote:

Stop applying or continue to apply for more credit....went 3/4 Approved for Amex Gold,Chase freedom,total rewards Visa and denied for us airways barclays.....aaoa 6 Yrs,scores 758ex 757eq 806tu...and what should i apply for...utilazation 1%


The key question is what is your ultimate goal?  Do you need more cards?  If so, how is it going to serve you?  If you don't have any need now, then don't apply for more cards.

Message 3 of 25
baller4life
Super Contributor

Re: Should I.....

Did you recon Barclays?
Message 4 of 25
Anonymous
Not applicable

Re: Should I.....

Yes...Reconed twice with Barclays they denied me both time..Due to lack of credit cards...My goal is to get high limit cards and build my new 3....I don't have many inq so I thinking apply for some of these good cards I see people on here get Capital one venture,nfcu,NASA,Etc...Wanna also get Amazon and Walmart as I shop there alot 

Message 5 of 25
Creditaddict
Legendary Contributor

Re: Should I.....

capital one venture!

otherwise I would sit for 4-6 months and go on a spree after that and you can find yourself with some $10k+ I bet.

Message 6 of 25
Anonymous
Not applicable

Re: Should I.....


@Anonymous wrote:

Stop applying or continue to apply for more credit....went 3/4 Approved for Amex Gold,Chase freedom,total rewards Visa and denied for us airways barclays.....aaoa 6 Yrs,scores 758ex 757eq 806tu...and what should i apply for...utilazation 1%


Did you apply for the Gold NPSL today?  If yes, apply for AMEX BCE/BCP or whatever revolver card, 1 HP if you do a Charge Card and 1 revolver back to back.  Haven't you been reading the forums?  Hurry if you app'ed today.  If you didn't app today then just fughet about it..

 

Also as CreditAddict said, CapitalOne Venture... what are you waiting for?

 

Walmart, go for it.  Amazon...yeah, why not?

 

Get those 4 and THEN you can garden.  Those lenders you got aren't especially touchy about new accounts...just make sure you don't rack up the debt.  Stay within your 1%-9% utilization.

 

Not getting a Barclays in a way is a blessing...they're very touchy and you probably would have to just sit and garden those 3 cards.

Message 7 of 25
Anonymous
Not applicable

Re: Should I.....

i applied last thurs and got the card allready....will it still be the same hp if i applied for the other amex...and i hap a cap 1 baddie from 09 i paid off and they closed it...will that effect me from getting a venture card as the cap one still shows on my report

Message 8 of 25
Anonymous
Not applicable

Re: Should I.....


@Anonymous wrote:

i applied last thurs and got the card allready....will it still be the same hp if i applied for the other amex...and i hap a cap 1 baddie from 09 i paid off and they closed it...will that effect me from getting a venture card as the cap one still shows on my report


Don't do it... the AMEX that is.  It's too late to use the same HP.  

 

Venture, NOW.  CapOne are very forgiving people.  Smiley Happy  Make sure you get the Venture and NOT the "VentureOne".  No AF first year, you can always PC it next year to get rid of the Annual Fee.  

 

Then go for your Walmart or Sam's Club and then Amazon.  Should all be approvals.

 

Then into the garden you go.

Message 9 of 25
Anonymous
Not applicable

Re: Should I.....

might apply for the cap 1....Was thinking they wouldnt mess with me any more....might as well go for it....  inq 5 ex 1 tu 2 equifax

Message 10 of 25
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