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AU vs my own card

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Valued Member

AU vs my own card

Does the crediter instant approval system Recognize the diff between my own cards to a AU cards on the credit report wen applying for a card and the approval is instant and it’s not going for review
I know it’s showing as a AU Responsibility

In other words Is the approval a higher chance if I have my own card
If I wanna apply for a good card now

reason I am asking is because Right now I am building credit first time and my score jumped from zero to 716fico on TU after I was added to 2 cards 5 years excellent History 3 % utilization
Message 1 of 7
6 REPLIES 6
Super Contributor

Re: AU vs my own card


@Hope23 wrote:
Does the crediter instant approval system Recognize the diff between my own cards to a AU cards on the credit report wen applying for a card and the approval is instant and it’s not going for review
I know it’s showing as a AU Responsibility

In other words Is the approval a higher chance if I have my own card
If I wanna apply for a good card now

reason I am asking is because Right now I am building credit first time and my score jumped from zero to 716fico on TU after I was added to 2 cards 5 years excellent History 3 % utilization

The lender's underwriting takes into account factors other than your score.

 

I would need to know much more to advise you as to whether you should apply for a "good card" now.

 

E.g.,

 

1. where are you getting your scores from

 

2. what are your card limits and balances

 

3. what do you mean by a "good card"


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 2 of 7
Valued Member

Re: AU vs my own card

Good card is the Amex gold

Scores are FICO from Experian 7 day trial
Limits are combined 2 AU Cards are 35k
Only 1000$ balance 3% utilization
Message 3 of 7
Super Contributor

Re: AU vs my own card


@Hope23 wrote:
Good card is the Amex gold

Scores are FICO from Experian 7 day trial
Limits are combined 2 AU Cards are 35k
Only 1000$ balance 3% utilization

Then yes I think you have a good shot at the Gold.


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 4 of 7
Valued Member

Re: AU vs my own card


Now as a side topic where do I find the champagne color card link ?
Message 5 of 7
Super Contributor

Re: AU vs my own card


@Hope23 wrote:

Now as a side topic where do I find the champagne color card link ?

Don't quote me on this, but I think that was a limited time offer which no longer exists.


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 6 of 7
Valued Member

Re: AU vs my own card

U think on navy i have also a shot ?
Message 7 of 7
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