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Dis, Amx, Citi branded x2

meauho1
New Member

Dis, Amx, Citi branded x2

High utilization but higher income.

2 cards combined $25k limit & 80%+ utilization each

*1 mine, 1 AU that showed TU &EQ. EX showed 0 utilization. AU was supposed to be removed Nov 2020.

 

2 AU total $9k combined limit with 40% - 60% utilization

 

2 cards both mine total $1750 limit = 0 utilization

 

Feb 26th

Discover It: EX Inq, FICO 9 = 703

SL: $13,500

Transferred NFCU 80% util ($12k)

Card reported without transfer 2 weeks later.

 

NFCU reported Apr 2nd with $0 balance.

 

Apr 5th App

Citi Branded x2 hit EQ only. Fico8 = 728

*EQ shows an AU at 83% utilization. 

Best Buy Visa approved: $3,000

Costco approved: $9,000

 

Amex BCF hit EX only = 730

Approved $9,500

 

 

Now to build some history & age so I won't get hurt too bad by dropping 2 cards that have $1750 combined limits; Fidelity that Elane refuses to CLI & Cap1 because I'm not getting benefit from it.

 

 

Message 1 of 13
12 REPLIES 12
Credit4Growth
Valued Contributor

Re: Dis, Amx, Citi branded x2

🍾 Congratulations on your approvals!

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 2 of 13
AllZero
Super Contributor

Re: Dis, Amx, Citi branded x2

Congratulations on your approvals!
Message 3 of 13
CreditorApproved
New Contributor

Re: Dis, Amx, Citi branded x2

Congrats on your approvals! 🎉 Should be nice additions. Wouldn't be the worst idea lowering utilization or increasing credit limits to off set it. I would imagine it can improve your score even further significantly! 

Creditor Approved Website - Application Experiences Needed! See Your Chances of Approval.

Credit Cards from Oldest:
Chase Freedom Unlimited $3,000 CL
Discover It $2,400 CL
BofA Cash Rewards $1,300 CL
Apple Card $1,500 CL
Chase Freedom Flex $3,200 CL
758 FICO 733 TransUnion
$11,800 CL - $20,000 income (ECE Student)
2 Years of Credit
Message 4 of 13
mrcraft
Valued Contributor

Re: Dis, Amx, Citi branded x2

Congratulations on your approvals!!






Message 5 of 13
CreditAggie
Senior Contributor

Re: Dis, Amx, Citi branded x2

Congratulations on your approvals!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 6 of 13
M_Smart007
Epic Contributor

Re: Dis, Amx, Citi branded x2

Congratulations on your approvals! ...

Message 7 of 13
gdale6
Moderator

Re: Dis, Amx, Citi branded x2

Grats to all your success and welcome to myFico Smiley Happy

Message 8 of 13
ImTheDevil
Community Leader
Super Contributor

Re: Dis, Amx, Citi branded x2

Congrats on the approvals! If those two cards you're closing are your cards, they won't hurt your age factors until they fall off your reports, commonly about ten years after closure. 



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 9 of 13
Heatt99
Regular Contributor

Re: Dis, Amx, Citi branded x2

Congratulations...This is good DPs for one with high utilization. Althought YMMV, it still provides info for people with similiar situations such as myself.

Message 10 of 13
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