Multiple approvals-what to do now?

sjt · ‎09-19-2018

Garden!

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815

stephenskd · ‎09-19-2018

congrats

MrPSS · ‎09-19-2018

I agree with the others, time to garden! Curious what your Fico scores are getting that $10K SL with Discover? Congrats!!

Current: Gardening...

SD - Credit One Bank Mastercard - $1,050

FICO 8: EX:

TU:

EQ:

As of Aug 2020. Total CL: $46,600; Goal: $50,000

wingennis · ‎09-19-2018

@MrPSS wrote:
I agree with the others, time to garden! Curious what your Fico scores are getting that $10K SL with Discover? Congrats!!

Discover is quite ridiculous with starting limits. I didn't have a score over 650 when they gave me 9k. Now I'm much higher and no CLI for me

Anonymous · ‎09-19-2018

I know it’s crazy! My FICO score is only 642. I’m super grateful and done for now. I had excellent credit until my identity was stolen at 21. It has taken a long time between that and some other bumps along the rd. The same year I authorized a family member to make a purchase on my Bank of America card and she never repaid the 2500. Then a phone company ran 3 unauthorized payments, putting my bank acct in the negative and closing it. I couldn’t get a break for the longest time. I got depressed and just let my credit go. But I’ve been rebuilding since the beginning of this year, when I found out my credit would be needed for a house loan, and managed to get my score up 100 points.

SouthJamaica · ‎09-19-2018

@Anonymous wrote:
So I just closed on my house Monday and wanted to see about approval for furniture. I’m convinced synchrony hates me, was declined. I’m thinking of waiting 1 yr before trying with them again for anything. Comenity though approved me for 1500 on Wayfair and 500 Avenue before declining Pottery Barn. I didn’t see any pop up approvals in the shopping cart for Children’s Place or VS so I consider comenity done. I found a prequal site for Discover. Y’all they approved me for 10,000. Target approved for 300. Now, I definitely don’t intend on using up all of these, my intent is to open up some lines with brands/companies I actually frequent before my score dips with the new mortgage. I want to keep all my utilization low (0% with cards I have before these new ones got added). Do you think I am at a stopping place to garden or is there one more card you would recommend for building credit?

Yes you're at a stopping place.