@FocusedAndDetermined wrote:Depending on report, AAoA is 7 to 8 years. Obviously, my '07 BK7 is still reporting, but I have been absolutely perfect since then on CCs and installment loans.
Think I will have a glass of wine, and think about this some more. If I decide to go for it, would that count as drapping?
LMAO yes to DRAPPING
So think it over
the plus is you also have history with chase w/ freedom....
P.S. I wasn't here going back to garden if anyone ask...didn't see me Lol
@myjourney wrote:
@FocusedAndDetermined wrote:Depending on report, AAoA is 7 to 8 years. Obviously, my '07 BK7 is still reporting, but I have been absolutely perfect since then on CCs and installment loans.
Think I will have a glass of wine, and think about this some more. If I decide to go for it, would that count as drapping?
LMAO yes to DRAPPING
So think it over
the plus is you also have history with chase w/ freedom....
P.S. I wasn't here going back to garden if anyone ask...didn't see me Lol
Your secret is safe with me.
Heh.
With all respect to gardening, there's a time and a place for it. Fear of rejection I can certainly understand, but end of the day we're talking a single inquiry, hardly anything to worry about longer term and your inquiry counts are minimal to begin with.
I think your plan is solid and picking up appropriate travel cards is a good reason to apply for a card even in my fiscal conservative viewpoint.
If I were you, and if I didn't have a mortgage to try to underwrite within a year, I'd just pull the trigger.
With all respect to gardening, there's a time and a place for it. Fear of rejection I can certainly understand, but end of the day we're talking a single inquiry, hardly anything to worry about longer term and your inquiry counts are minimal to begin with.
I think your plan is solid and picking up appropriate travel cards is a good reason to apply for a card even in my fiscal conservative viewpoint.
If I were you, and if I didn't have a mortgage to try to underwrite within a year, I'd just pull the trigger.
@Revelate wrote:
Heh.
With all respect to gardening, there's a time and a place for it. Fear of rejection I can certainly understand, but end of the day we're talking a single inquiry, hardly anything to worry about longer term and your inquiry counts are minimal to begin with.
I think your plan is solid and picking up appropriate travel cards is a good reason to apply for a card even in my fiscal conservative viewpoint.
If I were you, and if I didn't have a mortgage to try to underwrite within a year, I'd just pull the trigger.
Trying to post the unhappy update, but keep getting error message that I've exceed 20k character limit - post isn't even 2k characters. Second time this has happened to me.
What was the outcome?
Have you done a recon yet?
FICO 8: 
Goal: Gardening!
Goal: Gardening!
@webhopper wrote:What was the outcome?
Have you done a recon yet?
Yep, and they won't budge. Each rep stated it's because my Discover doesn't have enough history, and my Freedom is only at $1,300. which is rather funny since, they have kept it at that level for over 4yrs, despite the fact that I PIF each month - sometimes running $1,200 through in a month.
I'm not sorry I put the app in, of course, I wish it had gone better, but I will wait and try again in 6 to 8 months. Discover will get the bulk of my usage, excluding beneficial bonus categories.
I had hoped to use the Marriott this summer and for my fall busniess conference, but it ws not to be. As long as I use the Discover, well I think I'll be in good shape by late fall.
I have changed my garden status to reflect my momentary exit.
Sorry it did not work out. I saved you a spot next to me in the garden.