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what else do i apply for?

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jeffm4688
Frequent Contributor

what else do i apply for?

FICO's all from 680-690, all new accounts 6 months old, decent amount of INQ's but I managed to swing approvals today for :

 

I got approved for 2 $6000 USAA cards, a $5000 chase marriot visa sig & a $2000 -> $5000 increase on my credit union card.

 

Question is : what other major banks am I leaving out if any?

 

Not including BoA, Discover, Amex, Cap1

FICO 12/2015 - EX 692 TU 685

FICO 10/2021 - EX 596 TU 605 EQ 600 - officially rebuilding.

What survived:
Amex HH - 1.5K | Amex Delta - 1K | Amex Bonvoy - 1.5K | Amex BRG - 3.5K | Amex BRG - 3.5K | Amex Business Cash- 2K | Amex Business Plus - 2K
Message 1 of 9
8 REPLIES 8
TrialByFire
Established Contributor

Re: what else do i apply for?

Barclay and MAYBE <----big maybe, Citi
Message 2 of 9
TrialByFire
Established Contributor

Re: what else do i apply for?

I forgot to ask...How many inqs are we talking in the last 6 mo?
Message 3 of 9
Anonymous
Not applicable

Re: what else do i apply for?

the more important question is what cards do you NEED that your current profile doesn't have...
Message 4 of 9
TrialByFire
Established Contributor

Re: what else do i apply for?

Yeah that too ^^^
Message 5 of 9
Anonymous
Not applicable

Re: what else do i apply for?

btw citi is probably a no. they don't like inquiries. barclay doesn't like new accounts prior to being approved with them.
Message 6 of 9
jeffm4688
Frequent Contributor

Re: what else do i apply for?

barclay is hitting my sock draw: Up until today I used a good $2K a month on the card and paid in full every month but they won't raise the limit and I have other cards with lower APR's and the same CB.

 

Citi was a decline, even though I have the BBY card with 6 months history with them. Probably INQ's.

 

 

 

Most of my INQ's are going to hit 6 months old in 2 weeks, stupid car loan. But sitting right around 15 in last 6 months, when those are gone it'll be like 2 on each bureau in the past 6 months

FICO 12/2015 - EX 692 TU 685

FICO 10/2021 - EX 596 TU 605 EQ 600 - officially rebuilding.

What survived:
Amex HH - 1.5K | Amex Delta - 1K | Amex Bonvoy - 1.5K | Amex BRG - 3.5K | Amex BRG - 3.5K | Amex Business Cash- 2K | Amex Business Plus - 2K
Message 7 of 9
Anonymous
Not applicable

Re: what else do i apply for?

best buy approvals don't influence citi approvals unfortunately
Message 8 of 9
TrialByFire
Established Contributor

Re: what else do i apply for?

IME Barclays treats me well when I carry a balance. No way I'd carry on big one for the sake of a cli though, just a data point. Also haven't had a problem with inqs or new accts...yet and recon has been fruitful. Citi I haven't attempted yet, just responding to OP question and didn't see em listed.

Still got some impressive approvals OP I'd call it a win
Message 9 of 9
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