I only have 2 credit cards, I want to get one more, but I don't want to get denied and end up with a good-for-nothing inq on my report. Here is how my EX report looked on 6/21/07 (664 FICO):
CC Debt: $79 ($1200 available)
Student Loans: $25,273 (in school deferment)
Auto Loan: $7,910
1 inq from April 10, 2007 CapOne Auto
1 inq from Sep 23, 2006 Wells Fargo
1 collection assigned May 2004, paid Feb 2006 (trying to get deleted w/ GW)
No lates
Oldest account is 2 years old (I am 22)
My EQ score dropped 4 points on 7/2 because I charged my tickets for my vacation on my card right before my closing date, but I paid that off last week. I also got WF to give me a CLI last week. At this moment my CC Debt is $111.00 with $1400 available.
Will I probably get approved for CCCU? How much should I ask for?
