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So here we go...
my experian is a 737, transunion 756, equifax 745
i have one capital one card with 2k sl just payed the balance down to 26 % utilization.
i am an authorized user on a discover card, my dads capital one, and a care credit.
average age of accounts is 18 years but it is because of the authorized users..
the only card in my actual name is the capital one...
I want to apply for another card but it it better to wait and pay down the balance to 0 on the capital one?
my total utilization because of the authorized users is at 12% but I recently applied for the american express bce and was instantly denied
so my question is should i wait and just keep working on my cap 1 platinum until it is 6 months old or would it hurt if i applied for any easy cards to get to try and get something in my name...?
I have heard discover is friendly to thin files but im afraid to get denied and get another hp...
If i apply for the discover it chrome gas and restaurants or something and get denied can i get the discover secured without an extra hp..?
@usaallegiancestore wrote:So here we go...
my experian is a 737, transunion 756, equifax 745
i have one capital one card with 2k sl just payed the balance down to 26 % utilization.
i am an authorized user on a discover card, my dads capital one, and a care credit.
average age of accounts is 18 years but it is because of the authorized users..
the only card in my actual name is the capital one...
I want to apply for another card but it it better to wait and pay down the balance to 0 on the capital one?
my total utilization because of the authorized users is at 12% but I recently applied for the american express bce and was instantly denied
so my question is should i wait and just keep working on my cap 1 platinum until it is 6 months old or would it hurt if i applied for any easy cards to get to try and get something in my name...?
I have heard discover is friendly to thin files but im afraid to get denied and get another hp...
If i apply for the discover it chrome gas and restaurants or something and get denied can i get the discover secured without an extra hp..?
Have you checked if you're pre-approved for any discover cards?
Their pre approvals are solid.
just pre approved for the secured card
If you're not pre-approved for non secured cards, I doubt you will get one at this time.
If you cold app and end up being denied, secured card will be a separate HP
It's not just that you have a thin file, it's lack of credit history that's causing denials. Most issuers can separate AU accounts when app is reviewed. I would wait a bit longer.
Good luck
one of my friends recommended bank of the west bank of america and lowes to start....does anyone have experience with any of these or am i just gonna be setup for failure lol
i can understand the thin file but with both amex and Disco pre approves shooting you down could there be other factors at work ? scores are solid AAoA on the cap1 ? could there be a low income issue ? help us out with a tad more detail .. tnx
CAP 1 HAS BEEN OPEN SINCE FEB 2019 SO ONLY LIKE 3 MONTHS
I would wait. If you take away the AU CC's, you technically don't have a FICO score. That's probably why your not prequaling in most of the cc's your checking..