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Apps?

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Eyisila
Frequent Contributor

Apps?

Just wondering if there was a lender/CC issuer that pulls EX mostly where I might have a good chance to get approved.  Looking for 1 more good line Smiley Happy.

 

EX is not good 636 per a MyFico pull a couple weeks ago.  1 inquiry.  Couple of collections over 2 years old.

 

Good accounts - goRewards $4000, Cap 1 Secured 300, Cap 1 QS1 $500, NFCU Secured $600, couple of the Comenity store cards with $250 each. 

 

I probably don't qualify for much, but was just curious as to what you fine guys and gals think.  I can  provide more info if needed. 

 

Thanks!!!

Message 1 of 9
8 REPLIES 8
myjourney
Super Contributor

Re: Apps?

UTL?

AAoA?

INQ's in the last year?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 9
Eyisila
Frequent Contributor

Re: Apps?

Util around 25%

AAoA 2 years

For EX just 1 inquiry total

 

 

Message 3 of 9
yudeology101
Senior Contributor

Re: Apps?

Have you tried the pre-qual site ands and see anything matched for you? 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 4 of 9
Kostya1992
Established Contributor

Re: Apps?

What pre-qual site?
TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 5 of 9
Kenny
Moderator Emeritus

Re: Apps?


@kostyan1992 wrote:
What pre-qual site?

Any of the credit card companies out there... Smiley Wink

Message 6 of 9
Eyisila
Frequent Contributor

Re: Apps?


@yudeology101 wrote:

Have you tried the pre-qual site ands and see anything matched for you? 


Yes, unfortunately, I get nothing.  Which doesn;t mean much, I know.  Still would have been nice for something to pop up LoL.

 

Tried Amex, Discover, Chase, Barclay, Citi, and the Cap one just shows the same that it seems it always does (QS1, Secured, Plat)

 

I figured there wasn't much chance for something, if anything.  Just seeing if I could get some experiences Smiley Very Happy

Message 7 of 9
Eyisila
Frequent Contributor

Re: Apps?

Oddly enough my EX score has gone up to 644 now Smiley Happy, nothing changed on report as of yet.

 

Still don't think I can get a new card or anything, but progress is progress Smiley Very Happy

 

Message 8 of 9
myjourney
Super Contributor

Re: Apps?


@Eyisila wrote:

Oddly enough my EX score has gone up to 644 now Smiley Happy, nothing changed on report as of yet.

 

Still don't think I can get a new card or anything, but progress is progress Smiley Very Happy

 


Yes it it so keep up the good work and the rest will fall into place 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 9
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