CK TU score is 779 and EQ hasn't posted yet. Not sure of EX because we're looking at Credit Karma. The only acct on this profile is that of an auth user otherwise, the profile is clean.
Age 24 years 4 months
1 Inq
1 acct (auth user)
10% usage
100% payment history
My question is, what can they (not me) apply for with just TU? Or should they wait for EQ to post and apply? If so, what first cards can they apply for?
Thanks
Sprees are so 2018. 2019 is about making strategic choices to maximize approval chances as well as card diversity.
Start by getting your ficos from www.creditchecktotal.com. Build a roadmap of where you want to be, what's your endgame. Start checking pre-qualifications but not actually apping until you see what you have a shot at. Refer to roadmap. App.
Try the prequal sites. Cap1, Disco, ect. Your FICO scores would help the gang out a lot here to guide you in the right direction. Even Discover Scorecard you can get your EX FICO score monthly for free. report back and we'll lead you doewn the road. But dont think spree. Dont yet. Get 1 maybe two and then wait 4-6 moths for the next card.
@Brian_Earl_Spilner wrote:Sprees are so 2018. 2019 is about making strategic choices to maximize approval chances as well as card diversity.
Start by getting your ficos from www.creditchecktotal.com. Build a roadmap of where you want to be, what's your endgame. Start checking pre-qualifications but not actually apping until you see what you have a shot at. Refer to roadmap. App.
Ha! One minute apart....................
@Anonymous wrote:Something is not adding up. Your comment says that you only have one AU account on your credit report, but you signature line states a total credit limit of $172,800. What happened to those accounts?
Whoa. Good Catch M&B...need to read the fine print I guess. Yikes!
@Anonymous wrote:Something is not adding up. Your comment says that you only have one AU account on your credit report, but you signature line states a total credit limit of $172,800. What happened to those accounts?
The question is for someone else other than the OP
@Brian_Earl_Spilner wrote:
@Anonymous wrote:Something is not adding up. Your comment says that you only have one AU account on your credit report, but you signature line states a total credit limit of $172,800. What happened to those accounts?
The question is for someone else other than the OP
I throw in the white flag. Missed the too! Thanks B!
People aren't always honest about their situation on here, but need to be if they want the best help. He was just trying to figure out what was going on. While it could have been asked differently, we should try to remain FSR (Friendly, Supportive, and Respectful).