@odd_dog wrote:
@mongstradamus wrote:This makes me an bit wary to apply for Sallie Mae I haven't apped anything since last October . I am just unsure what creditors deem too recent for newly opened accounts
Please don't go by my experience Mong...everyone's is different. It is true I have low utilization, and all the things you think would warrant approval, but like what was mentioned before maybe the US Air app is still too new and "scared" Barclay. I worry since I have so many cards and a large total CL that at some point I will become TOO "available credit" heavy and that might scare some CCC. Granted I have almost all the cards I could want but I would understand ( even though I use them responsibly) how CCC's could think I could go on a "spending spree" and they could get stuck.
I just want to make sure I make use of every HP I use. I opened freedom IT and bcp back in late september. My scores are decent right now. From my latest discover fico score one of the negative they mention having too many new open accounts. That is what I am afraid of using an tu HP and getting nothing out of it 😕
@Anonymous wrote:lol. from the looks of your sig i would say they should be scared. is there never a point where credit companies say enough is enough? How many cards do you want?
One more. 
I have two new accounts this year, so I'm hoping that they don't adversely affect my attempts at two or three more cards before the Summer of Gardening. My score is rising, my util is getting better, and my inquiries are nicely spread out across the three CRAs.
@Anonymous wrote:lol. from the looks of your sig i would say they should be scared. is there never a point where credit companies say enough is enough? How many cards do you want?
LOL it's not what I WANT it's what I NEED...Seriously though I use cards for status (Hotel and Airlines) and rewards...I pay in full so don't care about APR (first card was AMEX so that got me used to PIF) that being said it is funny that there is such a wide selection of cards from CCC's. I mean Barclay, Citi and all have so many co-branded cards that it sometimes makes me think, they do not want you to have too many of their cards BUT they offer them. I wanted a US Air card, not necessarily a "barcaly card", BUT they operate it for US Air so now I have 3 "barcaly" cards. Also I do have so many because I do not churn or cancel them (for the most part), believe it or not I am a pretty good customer who pays bills on time and in full, so guessing they do not see me as SUCH a risk, been with most of these companies for over 20+ years, some over 30. I am beginning to get that more factors are involved in approval decisions......
@Anonymous wrote:its not really all that amusing but its not my problem. there are signs telling you "enough".
I am not taking it tooo seriously, because of my situation navistar, I know I have enough....just suprised at the score vs. denial.
