Wanting to App Spree Need Help

[Anonymous]

I'm guessing 40k usage means the balance. I don't have to be a credit expert to know you shouldn't apply for any new cards and focus on getting that utilization down. Once you do that, that should help your score a bit and then go on a spree. I feel like right now you would just be sending out red flags to issuers.

[Anonymous]

Personal Cards. Business Cards I am trying to keep separate. I have one Chase ink. 10k CL

[medicgrrl]

If you're wanting to refinance your mortgage and take out a second, I would hold off on applying for anything until after those are closed.

What cards do you currently have, balances and CL?

You would have a better chance for higher limits if you bring down your utilization before applying.

[Anonymous]

---

@Anonymous wrote:

I just want to see what I can get. I can payoff 28k almost immediately if wanted. Trying for 2nd Home Mortgage and a Refinance. Have 2 businesses too.

---

you can pay off 28k now, which leaves you 13k in the red....and you need more credit why??

[Gmood1]

Here ya go.. Odyssey goes to $100k. The lowest approved is $25k. https://firsttechfed.secure.force.com/website/Websiterates?Category=CreditCards&Product=AllCreditCar.... They'll prompt you to apply for a card during the membership application process. Oh and they pull EX.

[AverageJoesCredit]

Agree with everyone so far. Bring down the utilization so you dont look desperate. If your income is high, getting high limits shouldnt be a problem. DTI will hit hard if you keep the utilization that high. Plenty of cards that can give initial high sl or cli afterwards.

[Anonymous]

BOA 24k, CSP 22k, CITIBlack 11,500,, , First Prem 500, Citi 4500, credit one 2450, , Discover 7700k, AMEX Blue 20k,

Barclay World Elite 6540k, Cap 1 1750kCSP AU 8500CITIBlack AU 7kUniversal AU (citi)8200k, Amex PRG and AMEX PRG AU

[Anonymous]

Just paid 6k today towards debt so I was planning on paying another 12k this month. then watch the clock. That will mean i would be carrying 20k on 124k that good enough?

[medicgrrl]

Amex, Cap1 and Discover are all SP CLI.  I would consider attempting those while working on your refinance.

Do you have derogatory items on your reports?  I noticed you have Credit One and First Premier.

After closing, you could consider the Cap1 Venture and another Amex revolver.

[Anonymous]

Just Pulled a 3 score report EX 745 EQ 791 TU 781