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Ok. So here’s where I’m at:
6/13 MyFico EQ 738 5 inq. (3 < 1yr.) 46 pt bump last night!!
6/14 MyFico EX 739 1 inq. (0 < 1yr.)
6/7 Wally TU 715 2 inq. (1 < 1yr.)
I currently hold:
Disover IT $5,500 (not reporting yet) 5/2013
Local CU $2,500 5/2013
VS $1,000 (not reporting yet) 5/2013
Wally $2,500 5/2013
Chase $2,500 8/2006
C1 (HSBC) $1,200 12/2006
Barclay $2,900 2/2008
C1 $1,250 2/2008
C1 Rew. $2,750 9/2010
C1 (HSBC) $1,150 2/2008
BofA $ 500 7/2011
Total CL Available $22,500.
Util currently reporting @ +- 12%, but is actually around 22% (BT onto the IT at 0%!)
Since my last baddie was removed earlier this week, all three reports are clean. No lates, no baddies. I can’t find AAoA on the reports, but EQ shows 14 years history, and EX shows 16.
I’m really looking hard at the BCP. I would love that 6% on groceries!
I guess I’m just trying to determine my chances of getting it. I think I may only have a small window of opportunity before the Discover reports, but OTOH, maybe I should let it report first, as it is my highest CL…?
I’m also contemplating closing some of my lower CL cards that have AF, but no rewards. (Except the last C1 card, I added my 17yo DD as AU to get her started on her journey.) But then again, it would be of more benefit for her down the road to add her to the Amex if I can get it.
Thoughts, please?
Thank you all so much!
if you don't get approved I'll be honestly surprised.
Thanks for the vote of confidence Ailee!
After years of rebuilding after a particularly bad marriage and divorce, I guess I'm just not that confident in myself.
If (when) I do apply, does anyone know if it's better by phone or online?
Thanks again!
Should be good for approval, but with all that new credit popping up they may deny you at 61 days for a CLI, but after 6 months, they should give you the CLI if everything else is fine.
Ok. I did it...OMG!
Instant approval!!!
How do I find out my CL, tho? I don't want to have to wait until the card comes...
Also, do they expedite if you ask?
Guess I'm back to day 0 in the garden.
Your change getting approved very highly.
If i can afford the HP then yeah go for it man.
There's $250 bonus from creditcard. com link for BCP. It's could help the AF for a good 3 years
@pt310 wrote:Ok. I did it...OMG!
Instant approval!!!
How do I find out my CL, tho? I don't want to have to wait until the card comes...
Also, do they expedite if you ask?
Guess I'm back to day 0 in the garden.
Congrats WTG
Your day pass expires at 3pm
Congrats! For the CL you will soon get an email with a reference to set up the online account and then you can see the CL. Or you might consider calling? You will love that card
congrat call their new account number on the backdoor number. They should tell u what your limit.....Did you get the $250 bonus thou ??
Thanks everyone!
No, I didn't get that $250 bonus. I had already app'ed before I saw your message..
But I do still get the $150 intro bonus on the 3 months spending. I'll take it!
@myjourney - turning in my day pass early...I'm done! Thanks!
Now I gotta go find that phone #....