@youngandcreditwrthy wrote:
I've heard Delta Gold is easiest. Why is one of your scores lower?? I got approved for BCE with a 696 tu, 688 eq, and a 703 exp plus. I have high income, one fraud co from '08, 12% util, 3 yrs aaoa, $30k stud loans debt, 10 inqs in two years (only like two in the six mos prior to apping). I am 23 btw. I'd be scared to app for an Amex if I were you. I think a 700 is borderline approval, and they would pull all reports and deny you based on that lowest score. Otoh, I was scared to app when I apped for mine haha. I also have about $91k in rev. credit lines as of today! Good luck!!!!
thanks for the input everyone.... as to why one of my scores is lower, i have a line of credit that is not reporting on my EQ and my capital one cash is not reporting on EX... it's hard to know what my score for EX is.. when AMEX approved me for zync last september, my EX fako was 571... now it's 702 so am not sure if i have a shot on their revolvers.... am working on gettin my only collection removed on EX..... but it was a really old one, 6+ yrs old and 2 5-6 yr old charged offs... 9% util but AAoA i only 3 yrs i think.. 9 inq. on EX
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
our credit profile look pretty similar..............but good thing i already get my collection remove................now only 2 charge off..........let me know your apps............imma jumb in too if you approved...............
Starting Score: 560
@nicholasyud wrote:our credit profile look pretty similar..............but good thing i already get my collection remove................now only 2 charge off..........let me know your apps............imma jumb in too if you approved...............
I know... almost similar... are you planning to apply for any prime soon??? I just got my chase freedom two weeks ago...but low limit.... if you happen to apply for any prime, let me know too!..lol..... what cards do you have???
I remember someone said Amex Blue (regular blue) is one of the easiest to get...is it true???
@kobe2012 wrote:
I know... almost similar... are you planning to apply for any prime soon??? I just got my chase freedom two weeks ago...but low limit.... if you happen to apply for any prime, let me know too!..lol..... what cards do you have???
I have couple cards in mind...........like Amex Gold if approved then Delta for only 1 hard pulls....Then Discover and some GE brand.......then garden.......I go for a few apps then let all my cards aged..........and such...................but right now i just sit tight and grow my credit score a lil bit more.....................
My current cards is : Cap 500 Orchar : 400 and Credit1 : 400.................I wait a lil bit to get start with some high limit other than low toy limit.........i getting tired of it..............What chase give you ? 1000 ???
@nicholasyud wrote:
@kobe2012 wrote:
I know... almost similar... are you planning to apply for any prime soon??? I just got my chase freedom two weeks ago...but low limit.... if you happen to apply for any prime, let me know too!..lol..... what cards do you have???I have couple cards in mind...........like Amex Gold if approved then Delta for only 1 hard pulls....Then Discover and some GE brand.......then garden.......I go for a few apps then let all my cards aged..........and such...................but right now i just sit tight and grow my credit score a lil bit more.....................
My current cards is : Cap 500 Orchar : 400 and Credit1 : 400.................I wait a lil bit to get start with some high limit other than low toy limit.........i getting tired of it..............What chase give you ? 1000 ???
I wish they did... they only gave me a pitiful $500 limit.. but it's ok for now... you'll be good to go when youre ready... i got all my GE cards when I was in the really high 500's low 600's... I wish I can garden... am trying to... got denied for discover 3 times already so I probably won't even bother with them at all now or in the future.... I'd want the BCE, CSP and maybe a citi forward... but I know I won't get those until my reports are clean.. maybe in a year or two ... but I will definitely try an amex revolver in the next few months... or maybe sooner !
@kobe2012 wrote:I wish they did... they only gave me a pitiful $500 limit.. but it's ok for now... you'll be good to go when youre ready... i got all my GE cards when I was in the really high 500's low 600's... I wish I can garden... am trying to... got denied for discover 3 times already so I probably won't even bother with them at all now or in the future.... I'd want the BCE, CSP and maybe a citi forward... but I know I won't get those until my reports are clean.. maybe in a year or two ... but I will definitely try an amex revolver in the next few months... or maybe sooner !
no offense but i guess you should let your account aged a lil bit and wait till your score went up maybe a lil bit more then apps for something meanful........To be honest with you i hate toys limit man.............my spending pretty high and i hate to make mutiple payment per months.....thats just kiliing me............that's the reason why i sit my butt till now today..............I know i would qualify for so many other better cards but i rather do something 100% sure or nothing at all...............I make my mistake once and would never step on that door again.....................
@nicholasyud wrote:
@kobe2012 wrote:I wish they did... they only gave me a pitiful $500 limit.. but it's ok for now... you'll be good to go when youre ready... i got all my GE cards when I was in the really high 500's low 600's... I wish I can garden... am trying to... got denied for discover 3 times already so I probably won't even bother with them at all now or in the future.... I'd want the BCE, CSP and maybe a citi forward... but I know I won't get those until my reports are clean.. maybe in a year or two ... but I will definitely try an amex revolver in the next few months... or maybe sooner !
no offense but i guess you should let your account aged a lil bit and wait till your score went up maybe a lil bit more then apps for something meanful........To be honest with you i hate toys limit man.............my spending pretty high and i hate to make mutiple payment per months.....thats just kiliing me............that's the reason why i sit my butt till now today..............I know i would qualify for so many other better cards but i rather do something 100% sure or nothing at all...............I make my mistake once and would never step on that door again.....................
yea, I actually agree with you... it's just hard to garden..... i am gettin tired of them toy limits... hopefully, I can stay away from th computers and apps.. lol... so many years no credit cards, i'm gettn the rush....
