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UGH..WHY DID I APPLY!

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Shyone44
Contributor

Re: UGH..WHY DID I APPLY!

Before I learned the shopping cart trick, I applied for a Comenity card via the app way. I also got the 7-10 message, but I got the card about a week later Smiley Wink Don't give up yet!


Last app 3/21/13
EQ 658 (5/28/13)
TU 608 (5/1/13)
Message 11 of 27
09Lexie
Moderator Emerita

Re: UGH..WHY DID I APPLY!

Ultimately the decision to apply is up to you. The shopping cart trick does not work all the time but that doesn't mean that if you outright applied you would be denied either. The point they were trying to make was why waste an inquiry, the newly paid off CA plus your scores more than likely would be a denial.

Yes, you should follow your heart and do what's best for you...we are here to help and offer an opinion only.

Good luck.
Message 12 of 27
bella1013
Contributor

Re: UGH..WHY DID I APPLY!

Thanks!! Appreciate It!

Message 13 of 27
asphaltcowboy
Valued Contributor

Re: UGH..WHY DID I APPLY!

Keep your head up, keep us posted , sure you will get it, Good Luck and congrats on the hard work


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 14 of 27
bella1013
Contributor

Re: UGH..WHY DID I APPLY!

I was approved!!!! This is my last card. I have three including this one. I feel its enough to use wisely and get my credit better. Thanks for the feed back
Message 15 of 27
LS2982
Mega Contributor

Re: UGH..WHY DID I APPLY!

CONGRATS!!!



EQ FICO 548 3/3/16
Message 16 of 27
rtw
Established Contributor

Re: UGH..WHY DID I APPLY!

Congratulations! Glad it worked out for you. Go directly to the garden.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 17 of 27
SteveCi
Established Member

Re: UGH..WHY DID I APPLY!

Wait, In your OP you mentioned about wasting a HP and you have two left. How many does someone HAVE to "spend"?

FICO (04/14): 752 1) Too many inquiries 2)Student loan

Message 18 of 27
09Lexie
Moderator Emerita

Re: UGH..WHY DID I APPLY!

Message 19 of 27
Ailee
New Visitor

Re: UGH..WHY DID I APPLY!

yay for free panties

Message 20 of 27
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