Hello, long time no post.
Ch.7 discharged 1/16/18.
No credit preapprovals or inquiries at all.
Did not sign a reaffirmation on a vehicle title loan which was IIB, it I am still paying it off with about $4700 left to go. That’s not an issue at all. My lawyer recommended I NOT do a reaffirm so I listened and now kind of regret it.
Sister added me to her Synchrony (living spaces) account around 9/18. I had been paying it off for over a year anyway (bought some furniture on her new account and agreed I’d pay it to help her build her credit fresh out of college). Realized I might as well get some credit for it anyway. Paid off the remaining $2400 on it in 5 months (2/19), now shows zero balance.
10/18, applied for Credit one Bank. Lots of confusing back and forth “you’ve been approved”, “sorry, we cancelled your app at your request” (I never requested that”, to “congrats! Here’s your new card!”. Received a $500 limit 10/18. Made first payment (annual fee) and limit was instantly raised from $500 to $700 without my asking. I do have a balance on it, but nothing I can’t handle.
Question is, should I be trying to get more credit cards? Should I take it slow and work on this card longer? If so, how long should I wait before I try for another card?
Credit Karma Keeps telling me I’m %90 preapproved for an Ollo MC. My C1B is a visa.
Don’t want to move too fast, what do you all think I should do? How many cards should I aim for over what period of time? Want to do this right!
Ch.7 discharged 1/16/18.
No credit preapprovals or inquiries at all.
Did not sign a reaffirmation on a vehicle title loan which was IIB, it I am still paying it off with about $4700 left to go. That’s not an issue at all. My lawyer recommended I NOT do a reaffirm so I listened and now kind of regret it.
Sister added me to her Synchrony (living spaces) account around 9/18. I had been paying it off for over a year anyway (bought some furniture on her new account and agreed I’d pay it to help her build her credit fresh out of college). Realized I might as well get some credit for it anyway. Paid off the remaining $2400 on it in 5 months (2/19), now shows zero balance.
10/18, applied for Credit one Bank. Lots of confusing back and forth “you’ve been approved”, “sorry, we cancelled your app at your request” (I never requested that”, to “congrats! Here’s your new card!”. Received a $500 limit 10/18. Made first payment (annual fee) and limit was instantly raised from $500 to $700 without my asking. I do have a balance on it, but nothing I can’t handle.
Question is, should I be trying to get more credit cards? Should I take it slow and work on this card longer? If so, how long should I wait before I try for another card?
Credit Karma Keeps telling me I’m %90 preapproved for an Ollo MC. My C1B is a visa.
Don’t want to move too fast, what do you all think I should do? How many cards should I aim for over what period of time? Want to do this right!
+1 on who got burned. I would not put much stock in what CK says. They get paid when you apply so they are looking out for your best interest. You can try the prequal sites for Discover and CapOne and see what options they give you.
