To apply or not to apply......

[Anonymous]

go to whogavemecredit.com

and check w/ your scores. just try to not get a card w/ an AF.

[Anonymous]

Ok I couldn't resist. I applied for Juniper (Airtran Visa) and Hooters MC, after checking whogavemecredit.com...... got the 7-10 day response message, so we'll see. I did check my TU FICO on myfico.com and now it's up to 630. The simulator states best course of action would be to pay down $2,300 cc debt and score could jump to 680 to 720 in a month (????) These 2 inq will probably hurt but I plan to pay off Merrick and Applied by EOY so hopefully it won't be too bad. I'll let you know what happens. If these are denied, no more apps for me until '09 Thanks for all of the advice!!!

[Anonymous]

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MommyofanAngel wrote:

Ok I couldn't resist. I applied for Juniper (Airtran Visa) and Hooters MC, after checking whogavemecredit.com...... got the 7-10 day response message, so we'll see. I did check my TU FICO on myfico.com and now it's up to 630. The simulator states best course of action would be to pay down $2,300 cc debt and score could jump to 680 to 720 in a month (????) These 2 inq will probably hurt but I plan to pay off Merrick and Applied by EOY so hopefully it won't be too bad. I'll let you know what happens. If these are denied, no more apps for me until '09 Thanks for all of the advice!!!

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Right now everyone applying for Juniper is getting the 7-10 day message. Wish I hadn't mentioned that one as they are still in the process of cleaning up a mess. Everyone is getting 7-10 days with them now. Hooters usually gives 7-10 if memory serves.

[Anonymous]

Driving in to work this morning I realized what a mistake I made last night applying for the 2 cc. I should have tried for store cards to get a mix of credit...Oh well, if approved, I can at least close out 1st Premier. That would be the correct thing to do right? Closing them won't hurt my scores???? I hate paying all those fees and they won't even give a CLI. Also, 2 of you have suggested that I "upgrade" my current cards. Now I have an offer to upgrade the Applied Bank, but there's a $49.95 fee. Should I upgrade it?

[Anonymous]

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MommyofanAngel wrote:

Driving in to work this morning I realized what a mistake I made last night applying for the 2 cc. I should have tried for store cards to get a mix of credit...Oh well, if approved, I can at least close out 1st Premier. That would be the correct thing to do right? Closing them won't hurt my scores???? I hate paying all those fees and they won't even give a CLI. Also, 2 of you have suggested that I "upgrade" my current cards. Now I have an offer to upgrade the Applied Bank, but there's a $49.95 fee. Should I upgrade it?

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Actually what I meant by upgrade was to apply for a card with better terms then close the high fee cards.  You can check your application status with Junny at www.myapplicationstatus.com   Actually applying for two at once is probably the best way to go to see which offers you better terms if approved.  You can still apply for a store card

Edited link

Message Edited by Brammy on 09-26-2007 09:14 AM

[Anonymous]

Yeah i got the 7-10 days for hooter and got the card like two weeks later in the mail but with a $48 annual fee. so its not an instant denial. there's a link somewhere where you can check your status on the juniper card. someone maybe has it.

[Anonymous]

Ok, so I won't upgrade the Applied card cause paying that extra fee is senseless and if approved for the other 2, I'll close out the 2 with 1st Premier. Hooters nor Juniper have the monthly maint fee so right off the bat the terms are better than 1st Premier. I'm aware of the AF but no biggy (for right now at least).......

[Anonymous]

Thank you for your recent application for a credit card issued by Juniper Bank, member of the Barclays Group.

We regret that we're unable to approve you for a credit card account due to the following reason(s):

Juniper Bank uses a credit scoring system to process applications. This system assigns a numerical value to the various items of information we consider when evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers.

Based on the information you provided in your application, you did not score enough points when compared with other applicants. The primary reasons you did not score enough points are listed below:

• Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
• Length of time accounts have been established
• Length of time since derogatory public record or collection is too short
• Now my brother in law who is currently in a BK just got approved....Go figure.......

[Anonymous]

They got you on the applied bank card. Bring the uti down and you're probaby good to go.

[Anonymous]

Ok received a letter from Hooters dated 9/26 asking for verification of SS# and address. I faxed the info off today so we'll see........