wearedummed Posted December 4, 2006 Report Share Posted December 4, 2006 So, after applying for my Amex Delta and getting approved for 2K, I applied a few days later for Macy's and was approved for $800.00. I must confess it's such a high to get approved after years of denials. I keep pinching myself as I can't believe I"ve been approved on both cases. All I keep thinking is what other CC to apply for! So...now that I have those cards, what to do? How do I maximize my spending power??? Seriously, I've never know when to pay, how much to charge, do I keep a balance, do I not? Is there a thread where I can find out what to do and how to use my credit cards wisely? Or any good ol' advise would be helpful. Below I'm listing my current cards details to see if that helps.Capital One: $2,000 credit, $1,200 usedCapital One TJX: $2,000 credit, $1,700 usedOrchard: $775 credit, $550 usedHousehold: $700 credit, $425 usedWamu: $500 credit, $350 usedAmex: $2000 credit, $0 usedMacy's: $800 credit, $0 usedPatelco LC: $4,000 $0 usedI think that I have too much usage but I don't really know what to do. I've been tryign to payoff orchard and household and was going to close it but I dont' know if that would be ok. Link to comment Share on other sites More sharing options...
cavazos007 Posted December 4, 2006 Report Share Posted December 4, 2006 So, after applying for my Amex Delta and getting approved for 2K, I applied a few days later for Macy's and was approved for $800.00. I must confess it's such a high to get approved after years of denials. I keep pinching myself as I can't believe I"ve been approved on both cases. All I keep thinking is what other CC to apply for!So...now that I have those cards, what to do? How do I maximize my spending power??? Seriously, I've never know when to pay, how much to charge, do I keep a balance, do I not? Is there a thread where I can find out what to do and how to use my credit cards wisely? Or any good ol' advise would be helpful. Below I'm listing my current cards details to see if that helps.So can you give us scores and such? ...Oh and Congrats! Link to comment Share on other sites More sharing options...
rmuse00 Posted December 4, 2006 Report Share Posted December 4, 2006 So, after applying for my Amex Delta and getting approved for 2K, I applied a few days later for Macy's and was approved for $800.00. I must confess it's such a high to get approved after years of denials. I keep pinching myself as I can't believe I"ve been approved on both cases. All I keep thinking is what other CC to apply for!Congrats! I hear ya! I just recently went on an "applying" binge! Got approved for Dell, Walmart, Target, Hooters. DH actually told me I should be really scared now. But I have learned my lesson so all this should be good. I would not mind getting another major cc with a decent cl. So as Cav asked what were your scores? And what did CRA did they pull? Link to comment Share on other sites More sharing options...
LNY Posted December 4, 2006 Report Share Posted December 4, 2006 Your best bet is to spend some time reading through threads and stickies. Most of us spend several hours and/or days looking through all the forums, reading thread after thread, and doing searches to find the kind of answers you're looking for. You asked a lot of questions, and there are a lot of answers. For us to pinpoint some exact threads, we'd have to do all the searches for you... Link to comment Share on other sites More sharing options...
lyle7289 Posted December 4, 2006 Report Share Posted December 4, 2006 Capital One: $2,000 credit, $1,200 usedCapital One TJX: $2,000 credit, $1,700 usedOrchard: $775 credit, $550 usedHousehold: $700 credit, $425 usedWamu: $500 credit, $350 usedAmex: $2000 credit, $0 usedMacy's: $800 credit, $0 usedPatelco LC: $4,000 $0 usedI think that I have too much usage but I don't really know what to do. I've been tryign to payoff orchard and household and was going to close it but I dont' know if that would be ok.Keep your utilization below 35% and you will see your scores rocket!! Link to comment Share on other sites More sharing options...
wearedummed Posted December 4, 2006 Author Report Share Posted December 4, 2006 Your best bet is to spend some time reading through threads and stickies. Most of us spend several hours and/or days looking through all the forums, reading thread after thread, and doing searches to find the kind of answers you're looking for. You asked a lot of questions, and there are a lot of answers. For us to pinpoint some exact threads, we'd have to do all the searches for you... Well, you are just no fun!!! LOL....I will search, just not too sure what to search for, I guess I can start by "utilization" maybe. I do a lot of browsing here, that's how I have increased my scores, deleted baddies and such. I recommend this forum to everyone and they've all loved it!I dont' currently have how to check my scores and/or credit reports. I will see how I can get them so I can post them. I know that the Wamu card comes w/ free credit score and reports but since I got it about 6 weeks ago it's still not showing the report, only shows my score being at 620 but not sure which CA. I will post as soon as I know who they pulled for all the inquiring minds, as I once wondered myself....oh wait...I still wonder!!! Link to comment Share on other sites More sharing options...
LNY Posted December 4, 2006 Report Share Posted December 4, 2006 Well, you are just no fun!!! LOL....I will search, just not too sure what to search for, I guess I can start by "utilization" maybe. I do a lot of browsing here, that's how I have increased my scores, deleted baddies and such. I recommend this forum to everyone and they've all loved it!I dont' currently have how to check my scores and/or credit reports. I will see how I can get them so I can post them. I know that the Wamu card comes w/ free credit score and reports but since I got it about 6 weeks ago it's still not showing the report, only shows my score being at 620 but not sure which CA. I will post as soon as I know who they pulled for all the inquiring minds, as I once wondered myself....oh wait...I still wonder!!! Which is more "fun"? Waiting and waiting for someone to answer all your questions, or finding the answers yourself... immediately? Anyway, I meant that you had a lot of questions, and the best way to get them answered is to look around... because you'll find many people with different experiences (and thus different answers to the same question), and you can weigh them all against your own circumstances. Kind of like "the more the merrier."You might even have good luck by simply browsing the forums, page by page, looking for titles that sound like they might contain stuff you're interested in. I do that a lot, in place of searching, if I think my search terms might fall through the cracks. Link to comment Share on other sites More sharing options...
wearedummed Posted December 4, 2006 Author Report Share Posted December 4, 2006 I know, I know...I actually have searched before and couldnt really find the answers I was looking for. I will try browsing page by page, I do that occassionally, just not too much time to borrow from work to browse. I will try later tonight at home. I've just been considering paying off and closing the orchard and household, not sure if to do it as those are the oldest CC but thinking about it I believe they were both secured, I'd have to check my old reports. Link to comment Share on other sites More sharing options...
nascar Posted December 4, 2006 Report Share Posted December 4, 2006 I was a bad bad bad girl...spank me plzz!!! Link to comment Share on other sites More sharing options...
wearedummed Posted December 4, 2006 Author Report Share Posted December 4, 2006 I was a bad bad bad girl...spank me plzz!!! mee likeyyyyy Link to comment Share on other sites More sharing options...
wearedummed Posted December 4, 2006 Author Report Share Posted December 4, 2006 OMG...I seriously need help. The more I browse through this board, the more I am tempted to get a Hooters card! ...what's a girl to do....My DH will kill me! Link to comment Share on other sites More sharing options...
LNY Posted December 4, 2006 Report Share Posted December 4, 2006 mee likeyyyyy I'm shocked, SHOCKED!!! Link to comment Share on other sites More sharing options...
LNY Posted December 4, 2006 Report Share Posted December 4, 2006 OMG...I seriously need help. The more I browse through this board, the more I am tempted to get a Hooters card! ...what's a girl to do....My DH will kill me!Browsing is the root of all evil...But yeah, go for the !! You'll make Cav's day... Link to comment Share on other sites More sharing options...
cavazos007 Posted December 4, 2006 Report Share Posted December 4, 2006 Browsing is the root of all evil...But yeah, go for the !! You'll make Cav's day... Yes you will...so go for it! Link to comment Share on other sites More sharing options...
newbie7069 Posted December 4, 2006 Report Share Posted December 4, 2006 Don't forget Bloomingdales!!!!!!! Link to comment Share on other sites More sharing options...
wearedummed Posted December 4, 2006 Author Report Share Posted December 4, 2006 OH My, you guys are terribly evil...definitely will have to stick around! Link to comment Share on other sites More sharing options...
LNY Posted December 4, 2006 Report Share Posted December 4, 2006 Don't forget Bloomingdales!!!!!!!Ah, grasshopper... I have taught you well... Link to comment Share on other sites More sharing options...
newbie7069 Posted December 4, 2006 Report Share Posted December 4, 2006 Ah, grasshopper... I have taught you well... xasiansmilex Link to comment Share on other sites More sharing options...
wearedummed Posted December 5, 2006 Author Report Share Posted December 5, 2006 Ok...can't stop thinking about that darn card. So......should I wait for my amex and macys' to be on my report for a few months before I apply for Hooters? I've read some people getting pretty high LC and I wonder if having the amex/macy's on my reports for about 6 months at least would make a difference on how much I get....Or maybe I"ll just go for the Carnival or Juniper one... OK...edited to add:My scores are:EX: 610EQ: 613TU: 620I am not sure how I got the Amex and Macy's cards... Link to comment Share on other sites More sharing options...
credit_junkie87 Posted December 5, 2006 Report Share Posted December 5, 2006 I think we are all Credit Junkies here... Even though I have all the credit I need, I still want MORE! I want a better rewards card! Link to comment Share on other sites More sharing options...
cavazos007 Posted December 5, 2006 Report Share Posted December 5, 2006 I think we are all Credit Junkies here... Even though I have all the credit I need, I still want MORE! I want a better rewards card!The biggest credit junkie here is LNY Link to comment Share on other sites More sharing options...
wearedummed Posted December 5, 2006 Author Report Share Posted December 5, 2006 The biggest credit junkie here is LNY Sooooo...what I'm gathering here is that it's OK to go ahead and apply for e) all of the above! Link to comment Share on other sites More sharing options...
cavazos007 Posted December 5, 2006 Report Share Posted December 5, 2006 Sooooo...what I'm gathering here is that it's OK to go ahead and apply for e) all of the above!Sure why not...life is short!!! Link to comment Share on other sites More sharing options...
LNY Posted December 5, 2006 Report Share Posted December 5, 2006 The biggest credit junkie here is LNY ME?! Sweetheart, I have credit. I don't USE credit. I only get what I need to manipulate my scores and reports. I have like 1% utilization (because I put stuff on cards for cash back, heh). Link to comment Share on other sites More sharing options...
cavazos007 Posted December 5, 2006 Report Share Posted December 5, 2006 ME?! Sweetheart, I have credit. I don't USE credit. I only get what I need to manipulate my scores and reports. I have like 1% utilization (because I put stuff on cards for cash back, heh). Geez can't take a joke...Mrs. Grouchy pants Link to comment Share on other sites More sharing options...
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