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Delta Gold Skymiles Reconsideration

montana
Frequent Contributor

Re: Delta Gold Skymiles Reconsideration

you're better off. AMEX cancels people left and right after FR! Git VISA!!!!
Message 11 of 14
sleigh17
Frequent Contributor

Re: Delta Gold Skymiles Reconsideration



montana wrote:
you're better off. AMEX cancels people left and right after FR! Git VISA!!!!


Not sure where else to go Montana. I currently have a WAMU Platinum MSTC $1000 CL, a NFCU Visa $1000 CL, and a US Airways Dividend Miles MSTC $1500 CL. I also have an Applied Bank Visa $1200 CL that is charging me $10.95 Mo Maint Fee. I want to replace that one with one more card and then take a break from applying.
 
However, so far I have been declined by PenFed, CitiBank, Amex, BOA, and the HSBC preapproval, then denial system.I can't afford to rack up any more INQ on my CR, but I want one more card. Any ideas anyone?
 
I have a BK from '98 and 2 old CA (Midland Credit Management) from FCNB (now closed) accounts dating back to DOFD June 2001 that are still reporting. I also have a satisfied tax lien from 1996, satisfied in 2006.
 
My FICO scores are TU 650, EX 607, EQ 637. Thanks for any help you can give.
 
NOTE: Please see new thread: "Need advice from FICO gurus." It contains more details.


Message Edited by sleigh17 on 08-31-2007 01:24 PM

Message Edited by sleigh17 on 08-31-2007 01:25 PM
FICO SCORES 10/13/2007: TU 661 / EQ 637 / EX 617)
FICO SCORES 11/11/2007: TU 669 / EQ 637 / EX 623 (Looking for 700)
Fico Scores 01/04/2008: TU 667 12/23/2007 / EQ 628 / EX 617
Message 12 of 14
montana
Frequent Contributor

Re: Delta Gold Skymiles Reconsideration

you got enough cards. better to keep under 5. use them all but below 10% of the credit line and see in 6-12 month 5 times increase in limit. it happened to me.
good luck.
Message 13 of 14
sleigh17
Frequent Contributor

Re: Delta Gold Skymiles Reconsideration



montana wrote:
you got enough cards. better to keep under 5. use them all but below 10% of the credit line and see in 6-12 month 5 times increase in limit. it happened to me.
good luck.



Thanks Montana, I agree with you except for the fee based card. I really want to replace it somehow. I started a new thread listing everything, my FICOs, my baddies, all my cards, etc. and asked for advice from others. I do appreciate the help.
FICO SCORES 10/13/2007: TU 661 / EQ 637 / EX 617)
FICO SCORES 11/11/2007: TU 669 / EQ 637 / EX 623 (Looking for 700)
Fico Scores 01/04/2008: TU 667 12/23/2007 / EQ 628 / EX 617
Message 14 of 14
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