Application timing

NRB525 · ‎04-17-2022

Application timing should be 2023.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎05-14-2022

outstanding approval chance for Amex BCE on CreditKarma, same chance as Apple/GM, but no preapproval at Amex site lol, anyway I don't need yet another grocery card(CFF and CO SO covers it and for gas, Disco It CB 5% this quarter and there's also Citi DC 2%).

What I really need is a card that gives more than 1% for car rental, so eyeing PenFed Power Cash..or maybe WF Active Cash which has no deposit requirement for 2%(both provide CDW methinks). Citi Custom Cash gives 5% but no CDW methinks.

There's of course also airline card such as Delta for upcoming trip to Seoul but all conjectures at this point, likely won't do anything, for now just waiting auto CLIs from existing cards to happen.

Anonymous · ‎10-20-2022

Bump.

So after 8 months since last app/HP, apped for 2, Bilt approved(Ex), Aviator denied(TU). Low(still my 2nd highest SL after Disco) SL of 2500 for Bilt means I could've gotten higher if I apped later but rent can't wait lol. So no regrets. As one said no need to apply for Visa, so guess I'll do with MC/Disco when abroad. Back to garden hopefully. In mid Jan about 8 EX HPs will fall off(1 yr), along with 1 to 3 for other bureaus. Hope my next card has 5k SL and again, no way to achieve that but to garden lol.

Re: Application timing

Re: Application timing

Re: Application timing