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$2000 CREDIT LIMIT

Shoot2Thrill
Regular Contributor

MY CREDIT HISTORY

I guess I have a thin file? Been with Capital One since Sept 2017 and Discover since March 2019, that's all the credit history I have, so is it considered by leanders as just 1 year of credit history? I have very good credit and no baddies and just one inquiry.

 

How much will that hurt me applying for a good credit card like Chase Freedom, BOA or AMX Blue?

 

Capital One Card $950 CL

 Zero balance no late payments got it Sept 2017

Discovery iT Card $1750 CL

Zero balance no late payments got it March 2019

I only have one inquiry

No deragatory marks

MY CREDIT CARD STATS & HISTORY BELOW

FICO 741

TU 732

EQ 720


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Message 51 of 145
Creditsen
New Contributor

Re: INQUIRIES

I had 1 inquiry a year ago and had a hard pull for a new apartment. My credit score went down about 10 points from the hard pull but it wasn't too much going from 1 pull to 2 pulls




Message 52 of 145
Shoot2Thrill
Regular Contributor

Re: $2000 CREDIT LIMIT

I bank with a regional bank for my business and Capital One 360 for my personal bank. Don't like Capital One credit cards at all, their cheapskates when it comes to CLI, just give $100 increments.


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Message 53 of 145
Shoot2Thrill
Regular Contributor

Re: $2000 CREDIT LIMIT

Does AMX use Experian?


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Message 54 of 145
KJinNC
Valued Contributor

Re: $2000 CREDIT LIMIT

Yes.


FICO Resilience Index: 62. Cards: 17/24, 5/12, 0/6. Accounts including loans: 21/24, 6/12, 0/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method
Cards (oldest to newest)

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $104,100, not counting the AU card. The AU card brings the total to $129,100. In March 2019, card CLs totaled $0.
CU and bank memberships: Coastal Credit Union, member since 1987, direct deposit; PenFed, member since 2019; Navy Federal, member since 2020; USAA, member since 2020; Chase Bank, member since 2020.

Closed but still on reports: American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Message 55 of 145
MBills
Contributor

Re: $2000 CREDIT LIMIT

In my experience yes Experian is all they have ever pulled. Then every one after that was a soft pull approval.
AMEX PLATINUM: NPSL (10/19) AMEX GOLD: NPSL (12/18), AMEX BCE: 3000 (10/18), CAPITAL ONE QS: 1350 (02/17), CITI AADVANTAGE PLATINUM WEMC: 13,700 (12/18), CITI AA EXECUTIVE WEMC 13,000 (11/19) DISCOVER IT CB: 3500 (11/18), DISCOVER MILES: 3500 (03/16), WELLS FARGO PLATINUM: 1300 (02/16), CAPITAL ONE QS VS: 5000 (01/19) CITI PRESTIGE 13000 (05/19) AMEX HILTON SURPASS 10,000 (03/19).







Message 56 of 145
Saeren
Mega Contributor

Re: $2000 CREDIT LIMIT


@Shoot2Thrill wrote:

I bank with a regional bank for my business and Capital One 360 for my personal bank. Don't like Capital One credit cards at all, their cheapskates when it comes to CLI, just give $100 increments.


You're talking about Capital One starter cards like the Platinum and QS1. These are known to be bucketed. They are much more generous on subsequent cards. They get a lot of flak for this but a lot of lenders will issue larger second cards than CLIs on a current card, people just get annoyed about the inquiry on each bureau. 



Message 57 of 145
Saeren
Mega Contributor

Re: $2000 CREDIT LIMIT


@Shoot2Thrill wrote:

Does AMX use Experian?


AMEX is almost exclusively an Experian puller, yes. 



Message 58 of 145
Shoot2Thrill
Regular Contributor

Re: $2000 CREDIT LIMIT

Cool, I think Chase relies on TU and EQ


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Message 59 of 145
Saeren
Mega Contributor

Re: $2000 CREDIT LIMIT


@Shoot2Thrill wrote:

Cool, I think Chase relies on TU and EQ


Chase uses all three. They normally pull 2 of them. Citi as well. 



Message 60 of 145
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