When to apply to get higher Starting Limits?

[PerArduaAdAstra]

@GApeachy

Wish I could learn how to quote on mobile! Lol

I’m hovering around 40% on my Nav card and that’s when I decided to back off until I pay it down. I feel that’s a lot to charge in the first month. Not running amuck charging it, had a situation with my housing I had to take care of plus some dental work

[Anonymous]

@OP, why not try to get a refurbished laptop for now on EBay or Dell? You have PayPal Credit...they are always emailing with special 100% interest free offers. Why not use one of them?. Who says you need to spend $2K on a laptop? Right now, you just need something without a broken screen. You can get a like new laptop for under $500 on Best Buy, Dell, EBay...just make sure to get one with a warranty. I have a MacBook Air I bought for under $500 thru one of those daily deal sites and I’ve used it no problem for a few years now. You are just out of a serious rebuild...keep your costs low and garden and those limits will grow in no time. And even when you have higher limits you should still operate like you don’t have the cards...Use them like a debit card and PIF.

[Anonymous]

Another thought - you can look into cards that show you your potential SL before you app. Apple Card does that...SP will show you what your limit will be. It’s a HP if you accept the offer. I still think you should garden for a while and let the small limits grow but this is a way to see what kind of limit you might get when you are ready to come out of the garden.

[Shooting-For-800]

I would focus on Navy and PenFed for the next 12 months and forget everyone else for now.

[PerArduaAdAstra]

Thanks for all the input everyone.

I spent the day thinking it over and you’re all right. I’m going to hold off on getting a subprime card just to get a laptop, and focus on PenFed, NFCU, Discover, and Cap 1 for the next year. I can tough it out with the busted screen for another couple months while I pay down my NFCU balance, then either buy a new machine cash or with the 1.99% BT as many have suggested.

Thanks again for patiently working with me and explaining all my options. I now know this is the best decision and I can’t wait to see what kind of limits I’ll be at a year from now!

[CreditInspired]

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@PerArduaAdAstra wrote:
@GApeachy

Wish I could learn how to quote on mobile! Lol

I’m hovering around 40% on my Nav card and that’s when I decided to back off until I pay it down. I feel that’s a lot to charge in the first month. Not running amuck charging it, had a situation with my housing I had to take care of plus some dental work

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