cancel
Showing results for 
Search instead for 
Did you mean: 

Q: App Timing for Best Results

tag
coldnmn
Mega Contributor

Re: Q: App Timing for Best Results

I REALLY thought about applying for the Duck card. I can't think of one reason to apply for it. Thankfully I somehow have self control and more then enough credit not to.Smiley Sad

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 11 of 17
09Lexie
Moderator Emerita

Re: Q: App Timing for Best Results

@Credit-hoarder

Derogs, paid or unpaid are counted the same but on manual review it does look better.
Message 12 of 17
09Lexie
Moderator Emerita

Re: Q: App Timing for Best Results

@coldnmn

I agree. other than a high CL I don't see the appeal. PLUS they would literally rip up my Bruin Alumni Card ESP after last nights thumping.

To each is own. Smiley Sad
Message 13 of 17
Credit-hoarder
Valued Contributor

Re: Q: App Timing for Best Results

Nothing wrong with self control-keeps you out of trouble in the long run. I didn't really need the credit either. I just got caught up in the thread and was one of a few people who offered themselves up as a "lab rat" so-to-speak to see how fair credit would stack up on application. But was also hoping deep-down to hit it big with a high initial CL.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 14 of 17
coldnmn
Mega Contributor

Re: Q: App Timing for Best Results

I know the feeling that's how I applied for the ring. Glad I did after I had unexpected pickup repairs had to carry a balance 8% not bad.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 15 of 17
Credit-hoarder
Valued Contributor

Re: Q: App Timing for Best Results

@coldnmn: Is the CL in your signature the one Barclays's gave you when you were approved or have you had a CLI since you've had it?

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 16 of 17
coldnmn
Mega Contributor

Re: Q: App Timing for Best Results

I've had two Cl I have gotten an auto CLI every 6 months since I've had it. It will be 18 months next month, they softed me 10/10 so hoping for an increase to $5000. I won't do a hard pull to get it. It took 2 hard pulls to get it. I have 5 total right now with all but 2 to fall off first half 2014.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 17 of 17
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.