What should be my next step?

[Anonymous]

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@Anonymous wrote:
Hey guys, just wanted to update you all. I applied for the Venture card and was approved for a 10k limit!! I plan to try to convert my PC like suggested to a QS and to possibly request a CLI on my WF card then garden since that's two HP's. I plan to wait until around October to shop for a new car..

I also got my real scores from myFICO and Experian which are significantly higher..

EQ: 737
TU: 684
EX: 748

Two more questions, is it a SP or HP when you convert from PC to QS? Will they increase my limit again when converted or keep it the same or do I have to ask for that? Also any suggestions for the WF PC would be appreciated!

Thanks so much!

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Sweet.. Congrats on the approval.. When you PC with CAP 1 it is a soft pull but for an increase, you will have to request it...

[Anonymous]

If you are going to apply for credit cards anyways, why don't you try for a higher credit limit on the Wells Fargo card?

[efranklin23]

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@Anonymous wrote:

Credit Karma scores are generally at least 20 points below your "REAL" scores so I'd place you at a low 700's FICO score.  Based on 700 scores

It depends on what you are looking for:

• If you want a high limit, CLICK HERE
• Want to buy stuff for your shiny new home and eventually get a high limit, CLICK HERE
• You have a large family and spend thousands on groceries CLICK HERE
• Think you will be carrying a balance and want a low APR and a free TU FICO score  CLICK HERE

In seriousness though, they're just ideas, nobody can really tell you what card you should get, only suggestoins on some decent cards you can get with scores in the low 700's.

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I wouldn't post this in regards to Credit Karma as they're based on VantageScore 3.0 and have very different scales from Fico 08' Transunion. My Fico TU score is 722 while CK has me up at 756. Results may vary and the OP's FICO scores can very much be under those scores.