The wait is killing me!

[nodak64]

had a 615 EQ at 81% utilization on 3 cards. US bank secured and cap1 secured over a year old, amazon card 9 months. Paid down to 0%/0%/7% and just waiting for them to report so hopefully I can app some next month. This credit stuff is new to me though so I have no idea when my reports will update. Everyday log into creditkarma and be  sad because it wasn't today. Ha.

Im hoping that my score will go up enough that I can get the Discover IT this month (After attempting to CLI the amazon card to 2k) And then one of the Amex charge cards. I want the SPG in a year...

Whats everyone else impatiently waiting on?

[dodgerslv]

---

@nodak64 wrote:

had a 615 EQ at 81% utilization on 3 cards. US bank secured and cap1 secured over a year old, amazon card 9 months. Paid down to 0%/0%/7% and just waiting for them to report so hopefully I can app some next month. This credit stuff is new to me though so I have no idea when my reports will update. Everyday log into creditkarma and be  sad because it wasn't today. Ha.

Im hoping that my score will go up enough that I can get the Discover IT this month (After attempting to CLI the amazon card to 2k) And then one of the Amex charge cards. I want the SPG in a year...

Whats everyone else impatiently waiting on?

---

I feel you..In my situation i have a WF and BoA secured cards. I am waiting first of all to see if i am one of those lucky ones to have my WF graduate cuz i heard it does not happen for everyone and if i get passed over next month i will not be eligible again until October... My BoA card is eligible come May and i have a better feeling about that one becoming unsecured and hopefully with a CLI along with it. So here i am impatiently waiting not only to have see how my hard work has paid off but also get about 5500 dollars back!...

[nodak64]

---

@dodgerslv wrote:

---

@nodak64 wrote:

had a 615 EQ at 81% utilization on 3 cards. US bank secured and cap1 secured over a year old, amazon card 9 months. Paid down to 0%/0%/7% and just waiting for them to report so hopefully I can app some next month. This credit stuff is new to me though so I have no idea when my reports will update. Everyday log into creditkarma and be  sad because it wasn't today. Ha.

Im hoping that my score will go up enough that I can get the Discover IT this month (After attempting to CLI the amazon card to 2k) And then one of the Amex charge cards. I want the SPG in a year...

Whats everyone else impatiently waiting on?

---

I feel you..In my situation i have a WF and BoA secured cards. I am waiting first of all to see if i am one of those lucky ones to have my WF graduate cuz i heard it does not happen for everyone and if i get passed over next month i will not be eligible again until October... My BoA card is eligible come May and i have a better feeling about that one becoming unsecured and hopefully with a CLI along with it. So here i am impatiently waiting not only to have see how my hard work has paid off but also get about 5500 dollars back!...

---

5500? Nice! I have my us bank card which im gonna call about unsecuring (700) Soon... The dumb thing is I called them before I knew about how util. effects your score and wasted a hard pull on trying to get it unsecured. Gonna give it a shot 29 days after they pulled it the first time and beg for a soft pull on this one. Ha. Also, where is the quote button for this forum? Edit... Found it!

[dodgerslv]

---

@nodak64 wrote:

---

@dodgerslv wrote:

---

@nodak64 wrote:

had a 615 EQ at 81% utilization on 3 cards. US bank secured and cap1 secured over a year old, amazon card 9 months. Paid down to 0%/0%/7% and just waiting for them to report so hopefully I can app some next month. This credit stuff is new to me though so I have no idea when my reports will update. Everyday log into creditkarma and be  sad because it wasn't today. Ha.

Im hoping that my score will go up enough that I can get the Discover IT this month (After attempting to CLI the amazon card to 2k) And then one of the Amex charge cards. I want the SPG in a year...

Whats everyone else impatiently waiting on?

---

I feel you..In my situation i have a WF and BoA secured cards. I am waiting first of all to see if i am one of those lucky ones to have my WF graduate cuz i heard it does not happen for everyone and if i get passed over next month i will not be eligible again until October... My BoA card is eligible come May and i have a better feeling about that one becoming unsecured and hopefully with a CLI along with it. So here i am impatiently waiting not only to have see how my hard work has paid off but also get about 5500 dollars back!...

---

5500? Nice! I have my us bank card which im gonna call about unsecuring (700) Soon... The dumb thing is I called them before I knew about how util. effects your score and wasted a hard pull on trying to get it unsecured. Gonna give it a shot 29 days after they pulled it the first time and beg for a soft pull on this one. Ha. Also, where is the quote button for this forum? Edit... Found it!

---

awww sorry to hear but it a also a learning process when trying to rebuild or establish credit. It happens to all of us, I wasted numerous inquiries about a year ago thinking i could just get credit and see who would give me credit before i became more involved here in the forums. So i can share your pain...

[09Lexie]

I'm in the garden for awhile but when I pop back out I'm thinking about CSP and an Amex. Can't think of anything else to add to my Freedom and Discover.

[dodgerslv]

---

@09Lexie wrote:
I'm in the garden for awhile but when I pop back out I'm thinking about CSP and an Amex. Can't think of anything else to add to my Freedom and Discover.

---

Im in the garden also and would love to get in with Chase and Amex but i dont think i can with the 2 paid collections (got denied by both back in August 12) i have on my EX report. They are not credit card collections (utility and student tuition) but i hear both of those banks dont like collections reporting. They are not quite 2 years old so i will wait to re-apply. I really want the BOA better balance MC. Hopefully since i have a secured cashback rewards card with them for 10 months i may have a good shot with them even on recon. I will not try Citi for a while cuz they are bad with recons and they also denied back in Aug 12.

[09Lexie]

@ dodgerslv

Chase didn't like my 6.5 yr $300 CA- I finally got approved when that puppy fell off.
YMMV

[dodgerslv]

---

@09Lexie wrote:
@ dodgerslv

Chase didn't like my 6.5 yr $300 CA- I finally got approved when that puppy fell off.
YMMV

---

and thats why it may actually be a while before i apply for Chase, Citi and Amex. I will just work hard to increase the limits on the cards i have now ( WF, Discover, and BoA and maybe Cap1). With those the recent paid collections i am not going to waste a HP on the banks that will most likely result in denial.

[drkaje]

I feel your pain.

Got two cards paid off and am chomping at the bit for $0 balances to post, LOL!