thanks for the additional insights @myjourney.
i'm open to whatever kind of card - just wanted to add one more to the mix so i have three fully in my name. i was leaning toward a charge card as the 3rd new but i just tried with amex (green) and it was declined.
it looks like i'm 2 for 4 today and think i'll wait it out for a bit. 
@surbee wrote:@Anonymous for the additional insights @myjourney.
i'm open to whatever kind of card - just wanted to add one more to the mix so i have three fully in my name. i was leaning toward a charge card as the 3rd new but i just tried with amex (green) and it was declined.
it looks like i'm 2 for 4 today and think i'll wait it out for a bit.
Do you shop at walmart?
GE is pretty tolerant and gives free TU Fico scores / discount on gas as well ..Just a thought tho
They can grow very fast and large too
To answer the question regarding calculating AAOA. Add up all your TLs in months based on open date on cr and divide by the number is TLs.
For example:
Chase 1/2012. = 17 mos
Amex 6/2013 = 1 mos
Total 18 mos/2= 9 mos AAOA
For example:
Chase 1/2012. = 17 mos
Amex 6/2013 = 1 mos
Total 18 mos/2= 9 mos AAOA
@surbee wrote:hmmm, interesting... so retail cards is a route i hadn't considered to help with my process of building my credit/going into gardening. no walmarts near me but i can shop online with it, i suppose?
any thoughts on what happens to have 5 inquiries in one day with only 2 of 5 resulting in cards? or do the declines ever show up if it turns out i get 3 declines today? so nervous to submit another application. eek!
INQ's show on CR before you see the words approved or denied its just that fast ..
GE pulls TU so if you haven't did any pulls there it would help....
I'm in no way saying to app just giving you all the facts so you can make choices to go for one more or garden now 
@myjourney wrote:
@surbee wrote:hmmm, interesting... so retail cards is a route i hadn't considered to help with my process of building my credit/going into gardening. no walmarts near me but i can shop online with it, i suppose?
any thoughts on what happens to have 5 inquiries in one day with only 2 of 5 resulting in cards? or do the declines ever show up if it turns out i get 3 declines today? so nervous to submit another application. eek!
INQ's show on CR before you see the words approved or denied its just that fast ..
GE pulls TU so if you haven't did any pulls there it would help....
I'm in no way saying to app just giving you all the facts so you can make choices to go for one more or garden now
FYI declines don't show on CR just the fact you applied for something
