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Time for a spree???

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Valued Contributor

Time for a spree???

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

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 1 of 22
21 REPLIES 21
Valued Contributor

Re: Time for a spree???

check per-qualification first. get a trial membership at experian and check your FICO score.

 

Which card makes sense? do your own math here https://www.thepointcalculator.com/Credit-Card-Comparison-Tool

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Message 2 of 22
Community Leader
Super Contributor

Re: Time for a spree???

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.







Message 3 of 22
Super Contributor

Re: Time for a spree???

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.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 4 of 22
Senior Contributor

Re: Time for a spree???

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?





Message 5 of 22
Super Contributor

Re: Time for a spree???


@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....................Smiley LOL





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 6 of 22
Super Contributor

Re: Time for a spree???


@MaizeandBlue 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!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 7 of 22
Community Leader
Super Contributor

Re: Time for a spree???


@MaizeandBlue 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







Message 8 of 22
Super Contributor

Re: Time for a spree???


@Brian_Earl_Spilner wrote:

@MaizeandBlue 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!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 9 of 22
Community Leader
Super Contributor

Re: Time for a spree???

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).







Message 10 of 22
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