Income = ~$70K Inquiries = 7 in the last 12 months on EQ and EX (none on TU) Scores = 749 (EX), 747 (EQ), 781 (TU) AAOA = 4 years AOYA = 1 month
I just knew the number of recent inquiries would do me in, but I guess not. I did submit for a prequalification beforehand and this was the top card to come up.
I *REALLY* didn't want to apply for a new card, but I recently used the cash advance on multiple cards to buy a used car and the 0% APR interest for 15 months was too good to pass up to avoid the interest on the cash advances (yes, I know this was bad, shame on me, but I was trying to find a good, inexpensive and relatively low mileage pickup truck, which I did, and these are extremely hard to come by). In fact, this will probably end up in the sock drawer once I transfer those balances.
My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.