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Q: App Timing for Best Results

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 $13.5k / 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) $10k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 11 of 17
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
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
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
Message 14 of 17
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 $13.5k / 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) $10k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 15 of 17
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
Message 16 of 17
Highlighted
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 $13.5k / 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) $10k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 17 of 17