Score jumps from adding new cc

[creditgirl]

how many points have you seen added to your cs after adding a new cc? 

i only had 1 prior to August (i am an au on it).  in august, i got a tribute card but I haven't seen any improvement to any of my scores as they haven't reported it yet.  also, as of today, I see a credit one credit card on my credit file that I didn't even know i'd been approved for! i remember applying but not being approved, go figure.  i have to pay them down to under 10 % which i will do around the 20th.

i am wondering what kind of jump i can expect. one of the things hurting my cs according to the cra's was no new cl's. now i have 2 and am about to get the boa cc.  after that i won't be applying for anything else until about april. i want to get 6 monts of paying on time, etc before trying anything else.

i want the hooter card and but have quite a way to go to be approved. amex gold delta skymiles is one i really want too. now that i know what i need to do to get it, i know i'm on my way!!!

creditgirl

p.s. please do not hesitate to remind me of my saying i would not be applying for anything else before april 2008 as i'm sure i'll face temptation.

[SpecFile]

Just a reminder not to apply for anything before April 2008 or you will get a call from the Sleigh Center.J/K

Good luck with your new TLs.

[creditgirl]

Thanks specfile, hopefully i won't get the call !  So, you wanna give me your opinion on how many pts i could possibly see by adding these new tl's. it will be 3 when i only had 1 (that one is now closed btw).

at least it won't be too hard for me to keep them all below 9%! the cls are only $300, $200 and $400 and i can do that math in my head !

[SpecFile]

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creditgirl wrote:

i have to pay them down to under 10 % which i will do around the 20th.

I can't tell you exactly how many points your score will jump but I can tell you that you will see the highest scores once those balances are down to 10%.

[Anonymous]

I added two credit cards in August and received a jump of 24 points.  I also received 7 points for something else which escapes me at the moment.  I think it all depends on what all is going on in your report.   I also paid off two accounts and had one account reporting at 2% of my CL.  Like Spec says, getting your balances down to under 10% will help tremendously.

Congratulations on getting approved for the new cards which will help your debt to ratio computations.

SandyK

[Anonymous]

My EQ FICO score actually dropped today by 2 points when my Walmart Discover was added to my EQ file. Of course there was also the inq. But I guess two points is not much to sacrifice short term for a $2500 TL. Is it about normal for your score to only drop 2 points? I was expecting many more because of the change in average history.

[SpecFile]

You're right Sleigh that little drop will be nothing compared to the gain!