LA, just a thought. I believe you mentioned in another thread that you have 17 inquiries, yes?
It is very difficult for a new, thin profile to support all of that apping.
If that is the case I would garden for a minimum of another full year and build the current limits (which are in the $200-$1,000 range) on your current two cards. I know you want to jump ahead, but slow and steady will help you more in the long run, I believe. Good luck. 
@Anonymous wrote:LA, just a thought. I believe you mentioned in another threa that you have 17 inquiries, yes?
It is very difficult for a new, thin profile to support all of that apping.
If that is the case I would garden for a minimum of another full year and build the current limits (which are in the $200-$1,000 range) on your current two cards. I know you want to jump ahead, but slow and steady will help you more in the long run, I believe. Good luck.
Well I have 17 on Experian, 11 on TU, and 13 on Equifax. Two are dropping off from each report in July. And all those other inquiries are from November 2015 and earlier. And that's exactly why I will be gardening, but 1 or 2 more in the next 6 months won't hurt...especially if it's a card I really want. So I feel like I am being patient by only going for 1-2 more cards for the rest of the year. I know my Capital One card won't build (I read they only give the 1 increase for secured cards) but my AmEx certainly will. Thanks.
@Anonymous wrote:
@Anonymous wrote:LA, just a thought. I believe you mentioned in another threa that you have 17 inquiries, yes?
It is very difficult for a new, thin profile to support all of that apping.
If that is the case I would garden for a minimum of another full year and build the current limits (which are in the $200-$1,000 range) on your current two cards. I know you want to jump ahead, but slow and steady will help you more in the long run, I believe. Good luck.
Well I have 17 on Experian, 11 on TU, and 13 on Equifax. Two are dropping off from each report in July. And all those other inquiries are from November 2015 and earlier. And that's exactly why I will be gardening, but 1 or 2 more in the next 6 months won't hurt...especially if it's a card I really want. So I feel like I am being patient by only going for 1-2 more cards for the rest of the year. I know my Capital One card won't build (I read they only give the 1 increase for secured cards) but my AmEx certainly will. Thanks.
I'm not quite sure that you understand that 17, 11 and 13 are a lot of inquiries for any profile, but especially a new one. And creditors will look at the last full year (some of them look at last 2 years) of inquiries. That number of inquiries is already high without adding more.
One of the reasons I am sharing this with you is because I don't want to see you incur an AA situation.
41 total inquiries and only one card out of it (the unsecured card) probably should be a signal. Best of luck.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:LA, just a thought. I believe you mentioned in another threa that you have 17 inquiries, yes?
It is very difficult for a new, thin profile to support all of that apping.
If that is the case I would garden for a minimum of another full year and build the current limits (which are in the $200-$1,000 range) on your current two cards. I know you want to jump ahead, but slow and steady will help you more in the long run, I believe. Good luck.
Well I have 17 on Experian, 11 on TU, and 13 on Equifax. Two are dropping off from each report in July. And all those other inquiries are from November 2015 and earlier. And that's exactly why I will be gardening, but 1 or 2 more in the next 6 months won't hurt...especially if it's a card I really want. So I feel like I am being patient by only going for 1-2 more cards for the rest of the year. I know my Capital One card won't build (I read they only give the 1 increase for secured cards) but my AmEx certainly will. Thanks.
I'm not quite sure that you understand that 17, 11 and 13 are a lot of inquiries for any profile, but especially a new one. And creditors will look at the last full year (some of them look at last 2 years) of inquiries. That number of inquiries is already high without adding more.
One of the reasons I am sharing this with you is because I don't want to see you incur an AA situation.
41 total inquiries and only one card out of it (the unsecured card) probably should be a signal. Best of luck.
I totally get what you are saying. I appreciate the advice. To be fair, I made all those inquiries when I had zero credit history, and I don't even remember what I applied for as I'm pretty sure I didn't know what I was doing back then.
Perhaps a good strategy would be to just wait until October to app for the USAA and then have that be it til mid-2017.
I would also wait. Give your accounts time to age a bit with good use. I know it seems hard to wait, but believe me, it is worth it. Good luck to you.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:LA, just a thought. I believe you mentioned in another threa that you have 17 inquiries, yes?
It is very difficult for a new, thin profile to support all of that apping.
If that is the case I would garden for a minimum of another full year and build the current limits (which are in the $200-$1,000 range) on your current two cards. I know you want to jump ahead, but slow and steady will help you more in the long run, I believe. Good luck.
Well I have 17 on Experian, 11 on TU, and 13 on Equifax. Two are dropping off from each report in July. And all those other inquiries are from November 2015 and earlier. And that's exactly why I will be gardening, but 1 or 2 more in the next 6 months won't hurt...especially if it's a card I really want. So I feel like I am being patient by only going for 1-2 more cards for the rest of the year. I know my Capital One card won't build (I read they only give the 1 increase for secured cards) but my AmEx certainly will. Thanks.
I'm not quite sure that you understand that 17, 11 and 13 are a lot of inquiries for any profile, but especially a new one. And creditors will look at the last full year (some of them look at last 2 years) of inquiries. That number of inquiries is already high without adding more.
One of the reasons I am sharing this with you is because I don't want to see you incur an AA situation.
41 total inquiries and only one card out of it (the unsecured card) probably should be a signal. Best of luck.
I totally get what you are saying. I appreciate the advice. To be fair, I made all those inquiries when I had zero credit history, and I don't even remember what I applied for as I'm pretty sure I didn't know what I was doing back then.
Perhaps a good strategy would be to just wait until October to app for the USAA and then have that be it til mid-2017.
If you racked up all those inquiries in November 2015, you might want to wait until December to app for anything. Getting past 1 year on the majority of your inquiries might improve your odds enough to make the additional wait worthwhile.
