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You will get nothing and like it!

Auto Loans for ANY Credit Situation. Immediate Response.
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Frequent Contributor

Re: You will get nothing and like it!


@SteveB2112 wrote:
Stop making so much sense and let me be irrational! Thanks for all the advice everyone. *shakes fist at sky* Stupid garden.🙄

Plant one of these in your signature, it'll make you feel better Smiley Very Happy

    Total CL: $21,100
Fico 8 Scores:
12/2018:
03/2019:
06/2019:
09/2019:
Goals:   550 by 12/2018 600 by 3/2019   650 by 6/2019   700 by 1/2020   750 by 1/2021 800+ by 1/2022
8 derog. (all settled 1/2019)     |     Inquiries: 10, 9, 6     |     AoOA: 10.0yr     |     AAoA: 5.2yr     |     AoYA: 0.4yr
Message 11 of 15
Community Leader
Mega Contributor

Re: You will get nothing and like it!

Cap One uses an older scoring model. Those scores tend to be lower than Fico 8, which is what I'm assuming you're referencing as you EX score. 

 

Sit tight till your new Cap One is 6 months old. You should have better options at that time. 

 

Good luck and dont dread garden because it's either that or debit card. 

EX 759 EQ 774 TU 753


Message 12 of 15
Community Leader
Senior Contributor

Re: You will get nothing and like it!

As of late.. again this is YMMV.. the fact that you already have a fresh Credit One card that is still new has been having miss discover pass you by.. even though it used to not really matter... the current credit climate has seen some tightening of the purse strings with credit card creditors ... even if other rates are going the other way... Since you just opened a card.. even Discover wants to see some experierence with that Cap One account before anteing up.. and Cap One uses an older FICO model I believe.. think Remedios mentions it....  And that new account still can lose some points... Youll be ok.... Theres some rather tasty noshing in the Garden =)

 

-J

 

Message 13 of 15
Contributor

Re: You will get nothing and like it!

You got a card with a 2k limit...I would love to have that
current scores








Gardening since 6/03/19
Cap1 Qs $400
Cap1 plat-$300 on steps
Citi secured-$300
Gettington-$500 about to be replaced by Amazon builder.
Message 14 of 15
Community Leader
Senior Contributor

Re: You will get nothing and like it!


@joltdude wrote:

As of late.. again this is YMMV.. the fact that you already have a fresh Credit One card that is still new has been having miss discover pass you by.. even though it used to not really matter... the current credit climate has seen some tightening of the purse strings with credit card creditors ... even if other rates are going the other way... Since you just opened a card.. even Discover wants to see some experierence with that Cap One account before anteing up.. and Cap One uses an older FICO model I believe.. think Remedios mentions it....  And that new account still can lose some points... Youll be ok.... Theres some rather tasty noshing in the Garden =)

 

-J

 


OP. See text in bold because this is the gospel. Many of us on here can attest to the formidable Disco explanation when asking for a CLI—“Denied. Insufficient experience!” So you definitely want history that shows you are a responsible CC holder. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 15 of 15
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