Lucifer Posted December 1, 2003 Report Share Posted December 1, 2003 My questions is when should I consider applying for a new credit card? Here is my current credit standings: I have a 15 month old Bank One credit card with a 1000 limit. I have a AU account with AMEX Blue with a 6700 limit(opened 8/2003). Right now I have a 1800 balance on the AMEX Blue but when they report in December it will show as payed off. The Bank One card with show the same(right now is has a $25 balance ). My credit score with experien is 711 with these stats showing. My equifax and TU are close to that. On Experien I have 15 inquires and equifax i have about 7-10 and TU 15+. When would I be able to apply for a new credit card and not risk being denied? I dont want to apply and get denied and have ANOTHER Inquiry on my reports. Id like to get a Chase, Discover, or AMEX. Please any input would be great! Link to comment Share on other sites More sharing options...
nativechild48 Posted December 4, 2003 Report Share Posted December 4, 2003 Why not apply for The Discover now. Your scores look good and I don't think you will be turned down as long as there are no current charge offs or lates. Also, another option is BofA. You can apply for both online and get instant results. www.discovercard.com and www.bankofamerica.comGood Luck,native Link to comment Share on other sites More sharing options...
Lucifer Posted December 4, 2003 Author Report Share Posted December 4, 2003 ok Thanks Ill try and apply for Discover after my debt shows on my reports as none. I just checked with Orchard and they said Id be best geting there Classic Plus card. What kind of card is that? Is it one of Orchards good cards? Also with a 760(which Ill have by the middle of december) could I be approved for a Discover,AMEX Blue, or Chase card. Even though I have a few inquiries? Link to comment Share on other sites More sharing options...
Lucifer Posted December 7, 2003 Author Report Share Posted December 7, 2003 Well I just applied for the Discover card and the Union Plus card! I was approved for a 1700 limit with the Union Plus card and was given a "Application needs further Viewing" with the Discover card. I hope the Union Plus card doesnt have a OUTRAGIOUS RATE! Anybody that has a Union Plus card, are they all grey or are there different designs for each Union? Well this is a step forward! I hope I am not denied for the Discover card that'd be GREAT if they approved me for that card! Link to comment Share on other sites More sharing options...
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