@diebadcredit6504 wrote:I'm trying to see if my credit is ready for a PRIME card with a limit above 1k.. You can see my profile below... I'm trying to get a CHASE, Citi, or AMEX...
Do you guys think I should still GARDEN a few more months? Or try? I woke up this morning with the itch....
CURRENT ACCTS
Mtg 2009 - Never late
Student Loan - 11K defer 2011
Trk Pmt - April 2014 - never Late (Refinance)
Capital One - 79 balance 200 limit - 12/2013 - 6 Month reported
Express Comenity Bank - 135 balance 500 limit Jan 2014 - 5 month reported
Express Comenity Bank - 0 balance 750 limit - June 2014 - 0 reported NEW
Credit One - 300 balance 400 Limit - Dec 2013 - 6 month reported
Discover IT - 67 balance - 500 limit - Feb 2014 - 4 month reported
Jared - 252 balance - 5,000 Limit - Feb 2014 - 4 month reported
AU
Discover - 0 balance 11K limit - Nov 2004
Closed ACCTS
Trk Pmt - July 2012 Never late - Closed (Refinance to lower rate)
University of Phoenix - Closed Charge off - Zero Balance 01/2014
Conns Credit - Charge Off - Zero balance 05/2012
Conns Credit - Charge Off - Zero balance 05/2012
Looking at your scored i would say yes?
Looking over though you already have a "Prime" card ( To me ill consider it Prime along with Chase, Amex and so forth) your Discover card. I would ask for a CLI maybe if you need more credit
@wacdenney wrote:Chase has a pretty solid pre-qualify site. Might be worth giving it a whirl. Some of the other do also.
Eh .. the only ones who ever gave me a pre-qualified offers are BOA with a secured card about 6 months ago ( Not going to take a secured when i had amex and Discover) and Capital one. Chase and Citi said nothing was available but i got 5 cards between the 2
@diebadcredit6504 wrote:Yes I do have a discover IT card but the Limit is 500.00 and they won't increase my limit. They want to do a hard pull but I won't let them... LOL
I don't need the credit I just want to reach my GOAL of having a few PRIME cards with limit above 1k. It will look good for my profile.
I would take the HP imo... If your going to take a HP for a new TL you will probably be declined if your looking for a chase or etc. I would say the CLI with Discover be a lot easier then a new TL with Chase or Etc.
I would ask for a $2-3k CLI and see if they counter with $1k . Based on your AU account for a Decade + 4 months of your own CC with them I would think you have a decent chance of getting at least $500 CLI
6 months and all your new cards and inquiries may put up red flags for getting new cards in the short term. In my opinion garden your current cards a minimum of six more months to show some payment history. Applying for to much credit to soon makes you look desperate for credit. No credit company is willing to extend large credit limits if it appears to be a sinking ship in my opinion.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k