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Hi!
What are my chances of being approved?
I've had a Quicksilver One for almost a year, CL is $2700. My Credit Score on the Capital One website is 714. I also have a Discover IT Miles with a $1800 CL, a Barclays Apple Rewards with a $2700 CL. My FICO Score reported by Discover is 685. My oldest credit card is about 3 years old.
Never been late, I have used about 30% of my total credit...
Thank you!
@Anonymous.
It's been almost two years since my approval. My scores were in the 680s range. Do you know what your real FICO EX and EQ scores are?
Yes, 681 with Experian. EQ I don't know.
4 open credit cards with a total CL of $8,100
I appreciate your help, thanks.
How does it affect that I already have a Quicksilver One?
@shoegal wrote:
Did you check their prequalify tool?
Yes, I wasn't pre-qualified for that one, but I was hoping that since I already have an account with them maybe they would consider that.
Decent chance.. They use mortgage scores form all 3.. How many inquiries and what is your utilization at? Considering you have had the QS1 about a year I actually think you hae a good shot. What makes you want the Vetnure One card though out of curiousity vs. say venture or a regular QS or pc'ing the QS one to a regular QS? The only real good thing about the Venture one is 0 APR for 12 months the QS beats out the earning of Venture one and the regular Venture can be Pc'ed to a QS before the AF comes.
edit: need to learn to read 30 % utilization.
@CreditCuriousity wrote:Decent chance.. They use mortgage scores form all 3.. How many inquiries and what is your utilization at? Considering you have had the QS1 about a year I actually think you hae a good shot. What makes you want the Vetnure One card though out of curiousity vs. say venture or a regular QS or pc'ing the QS one to a regular QS? The only real good thing about the Venture one is 0 APR for 12 months the QS beats out the earning of Venture one and the regular Venture can be Pc'ed to a QS before the AF comes.
edit: need to learn to read 30 % utilization.
4 inquieries, last one was 9 months ago.
Well, I want two cards. I travel for work every week, and I have to expense everything on my own card, then my company pays it back. So, I want to separate personal expenses and work expenses. It's just better, to keep track of my personal expenses and it's also easier to manage and do my finances.
I have the Discover IT Miles, a Wells Fargo card, and the Barclay's Apple. I travel abroad so Discover is not as widely accepted and the other two charge a 3% foreign transaction fee.
I guess I could try applying for the regular QS, but I was thinking of upgrading my QS One to a regular QS. Why not a regular Venture? Well I was thinking I have better chances of getting a Venture One.
What do you think?
Edited: If I'm denied or my chances are not good enough then I'm considering the MLife card. I'm guessing it isn't hard getting one, right? I go to Vegas a lot, no annual and no foreign transaction fee... that's all I need.