Prime Card Chances???

[bearclaw84]

Hi all! I have been working on my credit for awhile and am almost in prime land I think! My Walmart TU score is 678, EQ 659 I was just approved for a mortgage and am super excited about that! I would like to see about getting a prime card to start earning rewards and points that everyone on here is raving about. What would you all suggest that I apply for? These are my current cards and limits on them as well as the open date. Any help would be appreciated!!!

First Premier - $475 since 2008
First Premier - $450 since 2008
Orchard - $400 since 2009
Kohls - $300 since 2011
BBRWZMC - $1,050 since 2011 just got the limit raised last week.
Walmart - $1,100 since 2011
PayPal Smart - $1,800 since 2012
Dillard's - $300 since 2013

[myjourney]

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@bearclaw84 wrote:
Hi all! I have been working on my credit for awhile and am almost in prime land I think! My Walmart TU score is 678, EQ 659 I was just approved for a mortgage and am super excited about that! I would like to see about getting a prime card to start earning rewards and points that everyone on here is raving about. What would you all suggest that I apply for? These are my current cards and limits on them as well as the open date. Any help would be appreciated!!!

First Premier - $475 since 2008
First Premier - $450 since 2008
Orchard - $400 since 2009
Kohls - $300 since 2011
BBRWZMC - $1,050 since 2011 just got the limit raised last week.
Walmart - $1,100 since 2011
PayPal Smart - $1,800 since 2012
Dillard's - $300 since 2013

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Have you closed?

[09Lexie]

Took the words right out of my mouth!

[myjourney]

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@09Lexie wrote:
Took the words right out of my mouth!

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Lol I beat you for once 

[bearclaw84]

No I haven't closed yet probably won't for several months as it is going to be a new build home. They are saying close to the end of this year.

[myjourney]

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@bearclaw84 wrote:
No I haven't closed yet probably won't for several months as it is going to be a new build home. They are saying close to the end of this year.

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NO app's for credit until you have closed on house sorry

Then go for it 

[KIPPIE12]

+1000

[enharu]

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@bearclaw84 wrote:
No I haven't closed yet probably won't for several months as it is going to be a new build home. They are saying close to the end of this year.

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like others said, do not apply for anything until your mortage is closed. Opening any new lines of credit or doing anything suspicious now can seriously jeopardize your mortage.

You can google for a list of stuff not to do while your mortage app is pending. 

[improvingmycredit]

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@enharu wrote:

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@bearclaw84 wrote:
No I haven't closed yet probably won't for several months as it is going to be a new build home. They are saying close to the end of this year.

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like others said, do not apply for anything until your mortage is closed. Opening any new lines of credit or doing anything suspicious now can seriously jeopardize your mortage.

You can google for a list of stuff not to do while your mortage app is pending. 

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+1

Also... make sure to get your utility  to at least 9% or less across all cards and best to let only 1 card report the balance.  I'd work on maximizing your FICO for the best rates for the rest of the year.  

Check out the Mortgage section of MyFICO.  Great read.