Should I apply for another store card?

MssRemaa wrote:
Right now I only have Cap One $700, Credit One $1k, Vs $350 and just got approved for Discover $1400...... I closed my Cap One last year b4 I started looking on this site.. My Vs was open May 2015, My Credit One was open for almost 2yrs ago. My curent scores are in my Sig..... Should I apply for another store card or anything to help build or just leave what I have? I've had a total of 5 Auto loan, one I'm still leasing, 2 personal loans from CU, and pay as agreed student loan...... all good accounts never late.....I have one issue on my TU but score just updated to 682 fico 8........ no issues on EQ 655 fico 8 but everything was not reported like my Bmw lease that's open now and a few others...... my Ex is frozen which is my lowest score with 2-3 issues. Any advice is appreciated!You don't need another store card. Just use what you have

Right now I only have Cap One $700, Credit One $1k, Vs $350 and just got approved for Discover $1400...... I closed my Cap One last year b4 I started looking on this site.. My Vs was open May 2015, My Credit One was open for almost 2yrs ago. My curent scores are in my Sig..... Should I apply for another store card or anything to help build or just leave what I have? I've had a total of 5 Auto loan, one I'm still leasing, 2 personal loans from CU, and pay as agreed student loan...... all good accounts never late.....I have one issue on my TU but score just updated to 682 fico 8........ no issues on EQ 655 fico 8 but everything was not reported like my Bmw lease that's open now and a few others...... my Ex is frozen which is my lowest score with 2-3 issues. Any advice is appreciated!

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Right now I only have Cap One $700, Credit One $1k, Vs $350 and just got approved for Discover $1400...... I closed my Cap One last year b4 I started looking on this site.. My Vs was open May 2015, My Credit One was open for almost 2yrs ago. My curent scores are in my Sig..... Should I apply for another store card or anything to help build or just leave what I have? I've had a total of 5 Auto loan, one I'm still leasing, 2 personal loans from CU, and pay as agreed student loan...... all good accounts never late.....I have one issue on my TU but score just updated to 682 fico 8........ no issues on EQ 655 fico 8 but everything was not reported like my Bmw lease that's open now and a few others...... my Ex is frozen which is my lowest score with 2-3 issues. Any advice is appreciated!

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SuperMarioTex wrote:
Sure! Experian is 621, and 602, 600 ( Trans/Eq). Currently, I have a Wells Fargo Secured Card ( $300 Limit), which is almost 3 years old (long time for secured I know). The two new capital one cards both have $1,000 limits. I still have 3-4 baddies ( small amount med collections) that I will get removed within in the next 2-3 months via PFD. Additionally, I have a judgement ($1,800), which is 6 years old reporting on both Trans/EQ. Thanks for the detailed info. Don't apply for any more cards until the 3-4 baddies come off your report in the next 2-3 months. Once those come off, you will see a rise in score which will make you be able to get some really good cards. For now, work on the baddies. Congrats on the 2 CAP 1 approvals...

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Hello, My BK7 was discharged in late March. I just applied for Express and New York & Co store cards using this link http://www.doctorofcredit.com/shopping-cart-trick-get-credit-cards-without-the-hard-pull/ This link contains a list of retail cards you can get with a SOFT PULL!! Just go to the retail site, put items in your cart, go to checkout. If a card invitation pops up, click on it and be sure to use the same address that's on your credit report. The application only asks for the last 4 of your SS. Since I recently moved, I entered my old address and immediately after approval called customer service to update my address and find out the credit limit. Each account has a $250 limit. I think this is a good way to avoid secured cards or worse yet, cards like 1st Premier and Credit One with outrageous rates. My cards will arrive any day now! With proper usage of these accounts and my student loans reporting good payment history, I expect to receive unsecured offers in a few months.

How long after discharge to apply for a credit card?

I was discharged from chapter 7 on June 2nd and I was wondering how long I should wait before I apply for a credit card to rebuild my credit? I am not in a rush to get one but are you more likely to get approved for one right after discharge ? I am reading alot of comments online of people being approved in the first month.

NC84 wrote:
I was discharged from chapter 7 on June 2nd and I was wondering how long I should wait before I apply for a credit card to rebuild my credit? I am not in a rush to get one but are you more likely to get approved for one right after discharge ? I am reading alot of comments online of people being approved in the first month. It depends on which CC companies you included in your CH7, the ones you included in BK will make you wait longer post discharge before they'll approve you for anything. If you didn't include Capital One they are one of the most BK friendly CCs. Try their pre-qualifier: http://www.capitalone.com/credit-cards/ They use internal records and soft pull review from CRA to pre-screen you without affecting your CS. If they come back to you recommending a specific card and specific interest rate your chances are very good good you will be approved when you apply, but an app with them results in a hard pull inquiry on all 3 CRAs.

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What Credit Card should I Apply for? BofA or Citi

Hello guys I would like your advice, I received a pre approved offer letter from Bank of America, for the Americard something interesting on this offer is that it has 21 billing cycles at 0% APR for Balance Transfers, after that 12.99% APR, I also have a pre approved offer letter from Citibank, for the simplicity card, 21 months at 0% APR for balance transfers, 17.99% after. What Credit Card do you think I should pull the trigger ? At first glance the APR says everything and BofA would be the best, but I would like to get some extra info from you guys. I am a Citibank customer, I have my checking and savings account with them as well as a couple of CC, in contrast I would be a new BofA customer. What do you think would be the CL if I am approved on BofA and what do you think would be the CL if I am approved on Citibank?

sweetdreams wrote:
I don't have experience with BT cards but just wanted to share about my personal experience with these two lenders BofA: started out as a secured card $500 and CLI to $1,500 with HP then opened a BBR $500 auto CLI to $1,000Looking at current BT offers for these cards, there are no BT promos... They are only offering 3% BT fee and then the APR on the account (currently 15.99% for me)I haven't read around the forum about BofA allowing direct deposit into checking account and then paying off other lender's credit balances but I know Citi explicitly states they allow direct deposit (if this is a feature you would like to have) Citi: have the discontinued Dividend card $9,000 CL and double cash card $2,900 (no BT promos showing for DC because I'm still in my 0% period)I have had Dividend for a year and looking at current BT offers, there are two: one 3% BT fee and 4.99% until 7/2017 and another for 3% BT fee and 2.99% until 8/2017. Personally, I think Citi has better long-term BT offers. You mentioned you have CCs from Citi? Have you checked your current cards for BT offers?
In terms of limits, everyone is different but I think Citi gives higher limits without HPs for CLIs Great, thanks for sharing your experience, I had a look at my current BT offers in citibank and they are not that good the best deal is 18 months and 2.99% APR during that period of time. I have the thank you CC 20k CL this one is my first and oldest CC, I applied for the diamond cc about 8 months ago I got only 7.6K CL so that's my fear with citi and get a little CL than the diamond, as for BofA I got no idea of the minimu I could expect, I have read the minimum is $500 which for me knowing that is not attractive to apply for it

Which card should i apply for?

Hi,I have about 6500 in credit card debt with no baddies. About 55% utilization. I am thinking about applying for a card to transfer my balance over @ 0%. Scores are 660,663,666. What do you guys recommend?

drvbasic wrote:
Hi,I have about 6500 in credit card debt with no baddies. About 55% utilization. I am thinking about applying for a card to transfer my balance over @ 0%. Scores are 660,663,666. What do you guys recommend?Have you requested a CLI with the current card? Who is it with? What is the current APR? Have you contacted them to see if they would lower your APR (cap1 does this frequently) in the mean time?(Balance transfers take 7 days to a month!) Request CLI on all other cards. What other cards do you have? Your scores are good enough for Amex ...possibly. See if they prequal you for 0 for 15months. Doubt they would give you a limit higher than 5k. you could split it between two new cards? I would say 6500 is not quite enough for a consolidation loan. What do you fellow myficoers think? Worst case scenario, your credit takes a hit for opening a new account, the new limit will lower your total UTIL, so may see it go up, but when you do the BT it will swing back a bit, but overall you could be higher than lower with scores. Transfer it all to the new card, pay it down fast, and you may be surprised at the results. Your inquiries are high now, so you could just be forced to app for cap1. Only the qs, qs1, venture1, and prestige will offer 0% interest. Leave capital one as a last resort because they wont care about adding 1 or 2 more inquiries...Venture1 will have the higher limit most likely so do that first.

Discover It i was itching to apply for one last card untill I garden for 1 year

Thank you and yes taxi is right 2013 is not long ago at all. Last time they denied me was in May and it was for to many recent auto inquiries(manage to challenge them and have it removed),the charge off, and my student loan balance to loan amount was too high 75%... I paid it down to about 45%.
My auto inquiries were removed and my student loan balance was reduced however the chargeoff still remains.
I am aware that I need to garden and I plan to because I am shooting for the best buy credit card either store or the platinum (soon to be visa) and judging by 5 New accounts this year and 2 more accounts being added and the inquiries, best buy might look the other way.
I just hope these new accounts being open so close to the dates don't raise even a red flag in 3 years from now.

Peanut6 wrote:
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Equifax 665        9 inquiries
TU 691              5 inquiries
I have a charge off from BOA in 2013(settled for less than full amount)
120days late department of education in 2013(paid down 45 percent)1 collection in 2013 (paid full amount)4 recent New accounts from JANUARY-March 2015 amd two recent inqiuresMy utilization ratio is 11%my aaoa 3.4years Current cardsBank Of America Cash Rewards $2000Home Depot Consumer $6000Walmart Store Care $5000QuickSilver One MC $2000Wells Fargo Secured Card $500 todays approved cards but not yet reportedCpital one QuickSilver VISA CL$3000Care Credit CL$5500  what do you guys think will be the result when i call tomorrow? hmmmm lets see what you guys think. i am going to call tomorrow and update the results of it hereSorry you got denied, i was lucky to get approved but with low CL...question: why did you apply for a care credit card? you have decent cards already and i dont think you needed that one. Just IMO

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morgacj2004 wrote:
Lost my way in the garden and applied for the Amazon store card today. Was approved for ICL of $1400. Don't know if that is above or below avg ICL for this card? I also signed up for the Prime membership as I freq buy items on Amazon and really need the 2 day free shipping as I live in Alaska. Well anyway back to gardening!! I really need to have more will power than this.I got mine in March. My limit was $1200. I used the card for $300 immediately, and two weeks later, I got a $1000 CLI.
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lambo003 wrote:
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Irish80 wrote:
slipper wrote:
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Should I apply for another store card?

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