Fear of hitting the submit button

[Anonymous]

I will fill out the application for the credit card but never hit the submit button. I end up canceling the app

[clocktick]

Haha, I've done that many times.  I guess it makes you really think twice of how much you want the card and if it's worth the inquiry if denied.  What are you thinking of getting?  What are your doubts?

[Anonymous]

Do you NEED a new card?  If not, you're doing the right thing.

[Anonymous]

I received several pre-approvals lately and one was the discover more card. My fear is I have a BK from 10/03.

I do not have any baddies on my report but the only cards I have are 2-1/2 yr capital one with 0 balance(stuck at $750 limit) and a barkleys with $2300 limit.

I have 1 inquiry in the last year but fear of being denied due to bk and having a ding for the app.

[clocktick]

When does the BK fall off?  Is it on all 3 reports?  Discover usually pulls EQ.  I'm not sure whether or not they approve with BKs.  I'd do a search on that.

[Anonymous]

I need one for the utilization. I would like to get a higher limit to try and increase my score.

The BK does not show on TU but does on EQ and EX.

No baddies other than that major BK from 03.

[Anonymous]

Do you know your scores?

[JayRizzo]

Sorry for asking this, but is there "anything" else you can do for your report rather than get another card as a way of increasing utilization?  Are the other accounts paid to zero?  Something, anything?  Another question is... are you planning to make a large purchase soon?  Car or house where you NEED a higher score?  (I'm trying to talk you down from the ledge... been there, done that).  It's really hard to get that monkey off your back, but you're doing the right thing by listening to that voice and cancelling at the last minute.  Do you "REALLY" need it?

[Anonymous]

EQ is 699 as of Jan 19th

TU is 770 as of Dec.

Ex unknown.

Both cards are $0 balance right now. I charge and pay in full.

[Anonymous]

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@Anonymous wrote:

EQ is 699 as of Jan 19th

TU is 770 as of Dec.

Ex unknown.

Both cards are $0 balance right now. I charge and pay in full.

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Then a new card will not improve or impact your utilization.  It will cost you an inquiry (if you apply) and decrease your AAofA (if you're approved), both can potentially result in a FICO score decrease.

If you let a small balance report on one, that usually keeps FICO happier than both balances always reporting zero.

What is your goal?  (Sorry if I missed that).