Both Gettington AND FIngerhut?

[Anonymous]

I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo. 

[tparks5961]

Hey Cybe,

I'll just give you my honest opinion. I'm also in the process of rebuilding my credit. Part of the process was to examine how I got into the trap that I was once in.  The bottom line was just I spent too much money on stuff that I didn't absolutely need.

I'm sure at this point I would get approved for gettington, wayfair and fingerhut.. But I may be tempted to spend money on stuff that I never intended on buying.

Please share with us more information so that we can give you a better understand your situation.

What are you current scores? Do you have any credit cards and how many?  Let's start there...

[Anonymous]

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@tparks5961 wrote:

Hey Cybe,

I'll just give you my honest opinion. I'm also in the process of rebuilding my credit. Part of the process was to examine how I got into the rap that I was once in.  The bottom line was just I spent too much money on stuff that I didn't absolutely need.

I'm sure at this point I would get approved for gettington, wayfair and fingerhut.. But I may be tempted to spend money on stuff that I never intended on buying.

Please share with us more information so that we can give you a better understand your situation.

What are you current scores? Do you have any credit cards and how many?  Let's start there...

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Hi Tpark, I appreciate your concern. I am not really worried about buying stuff I don't need. I just have a weird job where one month I make 15k and the next few months ill make 2k or less. Ive paid 80k thought the last 2 years.  I have a lot of cards that I used just to live off til bigger checks come in. What I want is to have storecards or retail cards with high available credit so when I do use my normal cards I dont take such a hit on my credit report. Currently my scores on MyFico are 629, 629 and 631.

Discover IT 2k limit, i have $1500 on it

Amex Delta Gold 1k limit, I have $200 on it

Amazon Store Card 1k limit. I have $900 on it. Christmass stuff. I'll pay it off soon

Merrik Bank $700 limit I have 0 balance

Credit One $650 limit I have $600 on it

Capital One Quicksilver $500 limit, I have 0 on it

Bank Of America Americard secured $99 for $500 limit. I have about $200 on it

Gettington $400 limit

[Anonymous]

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@Anonymous wrote:

I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo. 

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Congrats on your Gettington approval!

I fear though that you are under the wrong impression. Anytime a financial institution pulls your credit report it is REAL TIME. Any card you apply to will see the Gettington pull.

I think what you may be referring to is the American Express "feature" where you can apply for two cards on one credit pull.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo. 

---

Congrats on your Gettington approval!

I fear though that you are under the wrong impression. Anytime a financial institution pulls your credit report it is REAL TIME. Any card you apply to will see the Gettington pull.

I think what you may be referring to is the American Express "feature" where you can apply for two cards on one credit pull.

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Thanks for the reply. Most of my other cards the INQs came in almost immediately. On fingerhut, so far only 1 credit bureau has responded. Experian. 

[Anonymous]

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@Anonymous wrote:

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@tparks5961 wrote:

Hey Cybe,

I'll just give you my honest opinion. I'm also in the process of rebuilding my credit. Part of the process was to examine how I got into the rap that I was once in.  The bottom line was just I spent too much money on stuff that I didn't absolutely need.

I'm sure at this point I would get approved for gettington, wayfair and fingerhut.. But I may be tempted to spend money on stuff that I never intended on buying.

Please share with us more information so that we can give you a better understand your situation.

What are you current scores? Do you have any credit cards and how many?  Let's start there...

---

Hi Tpark, I appreciate your concern. I am not really worried about buying stuff I don't need. I just have a weird job where one month I make 15k and the next few months ill make 2k or less. Ive paid 80k thought the last 2 years.  I have a lot of cards that I used just to live off til bigger checks come in. What I want is to have storecards or retail cards with high available credit so when I do use my normal cards I dont take such a hit on my credit report. Currently my scores on MyFico are 629, 629 and 631.

Discover IT 2k limit, i have $1500 on it

Amex Delta Gold 1k limit, I have $200 on it

Amazon Store Card 1k limit. I have $900 on it. Christmass stuff. I'll pay it off soon

Merrik Bank $700 limit I have 0 balance

Credit One $650 limit I have $600 on it

Capital One Quicksilver $500 limit, I have 0 on it

Bank Of America Americard secured $99 for $500 limit. I have about $200 on it

Gettington $400 limit

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Also wanted to caution that while having overall utilization low is important, having high utilization on a few cards will impact your credit score negatively. But more power to you!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo. 

---

Congrats on your Gettington approval!

I fear though that you are under the wrong impression. Anytime a financial institution pulls your credit report it is REAL TIME. Any card you apply to will see the Gettington pull.

I think what you may be referring to is the American Express "feature" where you can apply for two cards on one credit pull.

---

Thanks for the reply. Most of my other cards the INQs came in almost immediately. On fingerhut, so far only 1 credit bureau has responded. Experian. 

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Hmm, that might mean that is all they pulled .

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I just got approved for Gettington. SL $400. All I really want is the more available credit. Can I also apply for Fingerhut? I Rather apply for a few cards at all once before the INQs hit my credit report. Was also thinking of getting Indigo. 

---

Congrats on your Gettington approval!

I fear though that you are under the wrong impression. Anytime a financial institution pulls your credit report it is REAL TIME. Any card you apply to will see the Gettington pull.

I think what you may be referring to is the American Express "feature" where you can apply for two cards on one credit pull.

---

Thanks for the reply. Most of my other cards the INQs came in almost immediately. On fingerhut, so far only 1 credit bureau has responded. Experian. 

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Hmm, that might mean that is all they pulled .

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Lol I hope so.

Anyway, no one has answered the question. Can you have both Gettington and FIngerhut at the same time?

[Anonymous]

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@Anonymous wrote:

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@tparks5961 wrote:

Hey Cybe,

What are you current scores? Do you have any credit cards and how many?  Let's start there...

---

Hi Tpark, I appreciate your concern. I am not really worried about buying 

Discover IT 2k limit, i have $1500 on it

Amex Delta Gold 1k limit, I have $200 on it

Amazon Store Card 1k limit. I have $900 on it. Christmass stuff. I'll pay it off soon

Merrik Bank $700 limit I have 0 balance

Credit One $650 limit I have $600 on it

Capital One Quicksilver $500 limit, I have 0 on it

Bank Of America Americard secured $99 for $500 limit. I have about $200 on it

Gettington $400 limit

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Congrats on your approval! 

Based on your current cards, adding FH is not going to improve your profile except for utilization...which lets face it, a FH approval with a low CL won’t even improve utilization much. I personally wouldn’t do it. What I would do, is lower my current utilization on my current cards. That will improve your profile greatly from what you’ve posted. 

As for both cards....I honestly don’t know bc I haven’t seen anyone who wanted both...especially with your profile bc it’s not needed. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@tparks5961 wrote:

Hey Cybe,

What are you current scores? Do you have any credit cards and how many?  Let's start there...

---

Hi Tpark, I appreciate your concern. I am not really worried about buying 

Discover IT 2k limit, i have $1500 on it

Amex Delta Gold 1k limit, I have $200 on it

Amazon Store Card 1k limit. I have $900 on it. Christmass stuff. I'll pay it off soon

Merrik Bank $700 limit I have 0 balance

Credit One $650 limit I have $600 on it

Capital One Quicksilver $500 limit, I have 0 on it

Bank Of America Americard secured $99 for $500 limit. I have about $200 on it

Gettington $400 limit

---

Congrats on your approval! 

Based on your current cards, adding FH is not going to improve your profile except for utilization...which lets face it, a FH approval with a low CL won’t even improve utilization much. I personally wouldn’t do it. What I would do, is lower my current utilization on my current cards. That will improve your profile greatly from what you’ve posted. 

As for both cards....I honestly don’t know bc I haven’t seen anyone who wanted both...especially with your profile bc it’s not needed. 

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Thanks, until my job situation improves im stuck with this back and forth credit scores going up and down. I figured if I can get my available credit up then that would help the most. My Merrick Card and my Quicksilver card are in the drawer and I do not use unless an emergency.