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I am in 14/24 Purgatory, I wanna see who else is with me LOL

Wavester64
Valued Contributor

I am in 14/24 Purgatory, I wanna see who else is with me LOL

So right now on New accounts my /6 and /12 numbers look good (0/6 and 4/12 respectively) but that darn 14/24 is uglySmiley Frustrated

 

In another thread I mentioned I was recently declined for Citi Custom Cash being 0/6 and 4/12 and one of the reasons was they were looking back at my new accounts the last 3 YEARS! OUCH! Smiley Surprised

 

So they say misery likes company Smiley LOL, so I wanna hear from those of you who are in my 14/24 range or higher and want to app but don't or have apped and got declined. I figure it might make for some interesting reading.




Potential Future Cards
Message 1 of 11
10 REPLIES 10
rostrow416
Established Contributor

Re: I am in 14/24 Purgatory, I wanna see who else is with me LOL

I'm at 8/24, not quite where you are, but enough to roadblock me from any cards on my wish list.  It'll be 7 months or so before that starts to go down.  

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 2 of 11
Wavester64
Valued Contributor

Re: I am in 14/24 Purgatory, I wanna see who else is with me LOL


@rostrow416 wrote:

I'm at 8/24, not quite where you are, but enough to roadblock me from any cards on my wish list.  It'll be 7 months or so before that starts to go down.  


What's the first card on your hit list?




Potential Future Cards
Message 3 of 11
Andypanda
Established Contributor

Re: I am in 14/24 Purgatory, I wanna see who else is with me LOL

For the next 10 days I'm at 11/24, tgen i drop downto 10/24

Message 4 of 11
Trini88
Frequent Contributor

Re: I am in 14/24 Purgatory, I wanna see who else is with me LOL

New accounts, I'm 8/24. I'll be 7/24 new accounts in a few days and I'll be stuck at 7/24 till 03/23 😵‍💫. I wanted that Citi Custom Cash and this post just discouraged me for applying for it when I'm 0/12 inquires next year August 😭.



Message 5 of 11
okurosetta
New Contributor

Re: I am in 14/24 Purgatory, I wanna see who else is with me LOL


@Wavester64 wrote:

So right now on New accounts my /6 and /12 numbers look good (0/6 and 4/12 respectively) but that darn 14/24 is uglySmiley Frustrated

 

In another thread I mentioned I was recently declined for Citi Custom Cash being 0/6 and 4/12 and one of the reasons was they were looking back at my new accounts the last 3 YEARS! OUCH! Smiley Surprised

 

So they say misery likes company Smiley LOL, so I wanna hear from those of you who are in my 14/24 range or higher and want to app but don't or have apped and got declined. I figure it might make for some interesting reading.


That three year bit hurts on the Custom Cash, makes me really wonder when I'll be able to get it. Are we going to start tracking /36 for Citi? Smiley Very Happy

 

And I am in a similarish boat - currently 1/6, 6/12, 12/24. In January I'll be 0/6, 4/12, 10/24 but if I wait until May I'll be 0/6, 1/12, 9/24. The plan has been to wait until May to be 1/12 for Cash+ but now I'm wondering if I go Affinity Cash Rewards in January and push back Cash+ to July. My credit scores will likely jump in June or July (a 120 day late will fall off) so it may be the better move.



Future Chopping Block
Banking

Message 6 of 11
BearsCubsOtters
Frequent Contributor

Re: I am in 14/24 Purgatory, I wanna see who else is with me LOL

EQ = 0/24

TU = 0/48

EX = 2/24 Smiley Frustrated

 

Sick of all these financial institutions loving EX so much. 

 

ETA: I thought this was inquiries...derp. No new accounts in 4 years. Great feeling. 

Message 7 of 11
MrDisco99
Valued Contributor

Re: I am in 14/24 Purgatory, I wanna see who else is with me LOL

Looking back at my past apps, apparently I actually got as high as 21/24 at one point.

 

I'm down to 4/24 and 1/12 now.  I'm holding out a little longer to let some inquiries fall off so I can app for the Elan MCP.  Then I'll go for the CSP after I let another /24 fall off... and maybe wait for a higher SUB.


GOALS:
Message 8 of 11
wingennis
Established Contributor

Re: I am in 14/24 Purgatory, I wanna see who else is with me LOL

I'm 8/24 which is why I was denied the C1 Savor this summer.  I think I have all the cards I want now so that number will be going down as I garden.  Ironic.

Message 9 of 11
SilverSmith
Established Contributor

Re: I am in 14/24 Purgatory, I wanna see who else is with me LOL

7/24 here. January ill be back down to 4/24 and look somewhat respectable again Smiley Happy FICO says 1-2 per year is optimal. Thats crazy talk for members of this forum Smiley Very Happy




~Is it 2023 yet?~
Message 10 of 11
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