@Anonymous wrote:
@CreditInspired wrote:
Hi OP
IMHO, I think your chances are slim to none because the AAOA is <8 mos. I suggest waiting until AOYA turns 12 mos. I suggest patience and putting a pause on seeking more credit ATM.
Are those FICO scores?
Also, what are the 3 cards you already have and the CLs? Are they secured, retail, or bank cards?I
@CreditInspired Hey thanks for the input! Here are my "stats"
3 accounts
Discover It - 4k CL
Citi Secured - (already received a letter confirming account will unsecure which I will ask to product change to Citi DC) $400 CL
Chase Freedom - 3.8K CL
As you can see, these are all bank cards, and yes those are FICO 8 scores.
Thanks for the info and that's good that they are bank cards. So you have 3 great prime cards, which is all that is needed for optimal scoring purposes. So I still suggest waiting until the AoYA turns 12 months before applying for another card. This way, your chances of an approval and larger SL improves.
GL2U
|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
