Wanting to App Spree Need Help

medicgrrl · ‎08-22-2017

Another one that you could consider would be either NFCU or PenFed.

EQ 778 EXP 782 TU 729

Anonymous · ‎08-22-2017

@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.

If you can pay off 28k of your 40k debt if you wanted, you're indirectly saying you aren't capable of paying off at least 12k in debt. Anyone IMO that isn't able to pay off their current revolving debt shouldn't be looking to take on new revolving lines of credit.

Later you posted that you dropped down your utilization to 20k on 124k in limits and asked if that's "good enough." The answer still remains the same from my conservative perspective. Sure, that utilization gets you down into the teens aggregate utilization wise, which would give you much better chances at favorable app results. The underlying issue again, which needs to be repeated, is that it's simply not a wise financial move to put yourself into a position to take on more debt if you aren't able to pay off existing debt.

Anonymous · ‎08-23-2017

25k Odyssey Approval Thank You Gmood1

Gmood1 · ‎08-23-2017

Congrats! Terrific SL! I'm patiently waiting to app them as well. Maybe next year if things work out.
Enjoy your new Chip and PIN CC!

LadyJEsq · ‎08-24-2017

Oh, another no fee BTS CC! And they also have a promo for 0% interest for 12mths along with a reward promo (I'm looking at the Choice and not the Odyssey). The fact that they pull EX instead of TU is a major plus for me. In a couple of weeks my inquires will be TU - 3 and EX/EQ - 1. I'm gonna have to save this one for a raining day. Thanks Gmood!

**FICO 8 Scores EQ EX TU **

Gregory1776 · ‎08-24-2017

@Anonymous wrote:
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

Boy you gotta close these.....