Well I went on a mini application spree yesterday. I applied for the Delta Amex Gold card, the Hooters MC, a Target card and a wamu card. I got the 10-14 day message from AMEX, a 7-10 day message from Target, a denial from wamu and an approval with no limit listed for Hooters. My scores from 7-12 were:
Well today I got a call to call a 1-866 phone number. Turns out it was AMEX and it was to tell me I got approved! I believe I will get at the least the Target guest card as well. I think I might have had a bad Providian account years back that kept me from getting the wamu. But I got my 1st real "prime" card and I am soooo happy!!!
I now have the following:
HSBC Platinum MC: $300 Tribute MC: $300 First Premier MC: $250 AMEX: $ TBA Hooters MC $ TBA Target $ (not sure I'm getting it)
Thanks again to all the regulare contributors who have helped me with the tips and tricks to bring up my scores, I wouldn't be on my way back without you!
All these accounts have been opened since 01-17-07. I won't be doing any more applications until I go for my house either later this year or early next year. I anticipate a hit to my score for all the new accounts but at least I have one "prime" card now and my score will only get better long term because of the + TLs these will generate.