Magdalen77 Posted January 26, 2008 Report Share Posted January 26, 2008 I'm (temporarily) done applying at places. Since I intend to go house hunting in about 5 or 6 months, I'm just going to let my new accounts age. I hope I can be strong and resist the temptation.Here are the results.They said "Yes":DBP/Chase Visa $1000Hooters MC $1000Juniper B & N MC $900Kay Jewlers $3000Wal-Mart $300Target $200Jared's $3000Cap One Visa $500HSBC MC $500Raymour & Flanigan $3000Dell $1500Circuit City $1000They said "no" Juniper Lukoil MCChase Amazon MCSearsDiscover Open RoadLane BryantCiti Bank Shell MCCiti Bank Sunoco MC AMEX National City Bank VisaGEMB Lowe'sCiti Bank Home Depot Offered me a secured cardBank of AmericaWaMuI don't know yetPNC Bank VisaPulaski Bank VisaRoaman'sPNC I suspect will say not only "no", but "Hell, NO" and Pulaski, I'm not sure, they asked me to fax my most recent check stub to their underwriting department. That seemed hopeful.For anyone who's keeping score, at the time I had scores of TU 620-635, EX 595-607 and EQ 643-656. It was over a extended period of time from December 14th until last night and I obviously don't know what the scores were when the companies pulled the CR. Link to comment Share on other sites More sharing options...
Big Time Posted January 26, 2008 Report Share Posted January 26, 2008 After six months or so, you may want to consider dumping the toy cards under $1000 and request CLI's for the others. Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 26, 2008 Author Report Share Posted January 26, 2008 After six months or so, you may want to consider dumping the toy cards under $1000 and request CLI's for the others.I've heard that you can get CLI on Wal-Mart, Target, HSBC and Cap One. I'm using the HSBC and Cap One cards so I have a shot at that. But the other ones, the store cards, well, I have a hard time going into the store and buying stuff just so I can get usage. I'm also limited by the fact that I'm living in a 1 bedroom apt with my DF (a situation hopefully corrected in 6 months or so).There's only so much crap I can buy. Link to comment Share on other sites More sharing options...
Hellard Posted January 26, 2008 Report Share Posted January 26, 2008 Are you saying you got all those cards within the last 5 weeks? Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 26, 2008 Author Report Share Posted January 26, 2008 Are you saying you got all those cards within the last 5 weeks?Yep, and so far my scores haven't gone down that much if all. At least in FAKO for TU and EX and FICO for EQ (I have Scorewatch). Link to comment Share on other sites More sharing options...
janedoe2 Posted January 26, 2008 Report Share Posted January 26, 2008 Congrats on the new cards Thought I'd add what i did in the last month...Quick recap on history: Opened CJ $1500 04/07 and secured BofA $300 07/07, ch 13 from 01/01 fell off of trans and experian in november but still on equifax. bk from 10/05 still on all three.Denied car loan late summer. Dealer laughed me out the door! 2 weeks later received counter offer from Chase for $21,500 72 months 14%. I declined.Denied Hooters, Wamu, walmart, kay in October.Opened another pre-approval from Wamu and got instant $1500 early Dec, I felt gutsy and went nuts!!HSBC MC $1100Best Buy Visa $ 450itunes $250hooters $1100 (said 7-10 days thing and card was in my hands in 5 days)Cap one auto 11.25% 60m last week.DENIED kohls/chase (pulled) experianChevron (said now owned by gemb)walmart (too many judgments)target (sent nice little letter saying "upon reviewing your application we became aware of a closed unsatifactory account") I burned them in the chapt13/7 for $150.00Best Buy store cardKays (said need 6 months credit history)Macy's Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 26, 2008 Author Report Share Posted January 26, 2008 Oh, I forgot that I applied for iTunes, I'm still waiting on that. The problem with bumping and disputing inquiries is that you forget who you applied for. Link to comment Share on other sites More sharing options...
MaxedOut Posted January 27, 2008 Report Share Posted January 27, 2008 The problem with bumping and disputing inquiries is that you forget who you applied for. If I had room, I would add that to my sig! Link to comment Share on other sites More sharing options...
Hellard Posted January 27, 2008 Report Share Posted January 27, 2008 Thats an incredible credit boast Mag- thanks for the info. You inspired me and look what i just did...You have been approved for a Capital One® credit card. You should receive your card and welcome materials within 7–10 business days.Purchases: 0% until May 2008. After May 2008, Variable (now 19.30%) Transfers: Variable (now 19.30%) Annual fee: NoneTransfer fee: None Credit Line$300How Your Actions Could Affect Your APRsUnlike Some Companies, We Won't Increase Your APRs Simply Because:• You pay late only once• You go over your credit limit• Your credit record changes with another lenderWe may increase your APRs if:• You pay late twice in 12 billing periods. Link to comment Share on other sites More sharing options...
Hellard Posted January 27, 2008 Report Share Posted January 27, 2008 Just got another on Barnes & Noble $700- I will have to start paying Mag77 commision fees ..she rocked the credit world in one months time..thanks again..id better step away from the computer for the rest of the day. Link to comment Share on other sites More sharing options...
jq26 Posted January 28, 2008 Report Share Posted January 28, 2008 Congratulations Mag. Now you are loaded up on credit. Sit back, manage your cards, and let them age. Your scores may fluctuate month to month, but they will trend up! Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 28, 2008 Author Report Share Posted January 28, 2008 Just got another on Barnes & Noble $700- I will have to start paying Mag77 commision fees ..she rocked the credit world in one months time..thanks again..id better step away from the computer for the rest of the day.Sure just send $100/week to the First National Bank o' Mag. I promise not to bother you with any compund interest. Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 28, 2008 Author Report Share Posted January 28, 2008 Congratulations Mag. Now you are loaded up on credit. Sit back, manage your cards, and let them age. Your scores may fluctuate month to month, but they will trend up!Yeah, I need to keep from applying anymore. I don't have the time or inclination to use all the ones that I have.The one that I've been using the heck out of is the BP/Chase because of the double cash rebates for the first 60 days. After that I'm going to scale back on that. I might use the Cap One quite a bit, due to the 0% through July. After that, not so much. Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 28, 2008 Author Report Share Posted January 28, 2008 Just FYI, I'm not completely going crazy with credit. I keep my money in my account and pay these off twice/month. It does keep the balance up in my checking account, so, no fees. Link to comment Share on other sites More sharing options...
Hellard Posted January 28, 2008 Report Share Posted January 28, 2008 Hey mag i applied for Raymour & Flanigan . did you purchase any furniture from them- im looking for a love seat or chair an a half..The closest store to me is wilmington de about an hour maybe...i might just shop online . wondering if they furniture is worth the prices they charge Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 28, 2008 Author Report Share Posted January 28, 2008 Hey mag i applied for Raymour & Flanigan . did you purchase any furniture from them- im looking for a love seat or chair an a half..The closest store to me is wilmington de about an hour maybe...i might just shop online . wondering if they furniture is worth the prices they chargeNah, I haven't bought anything, no room and I'm really trying to behave myself. I wonder if the credit offer expires after a time??IMHO, mostly R & F is overpriced, but sometimes you can find good sales. Link to comment Share on other sites More sharing options...
Krash Posted January 30, 2008 Report Share Posted January 30, 2008 Oh, I forgot that I applied for iTunes, I'm still waiting on that. The problem with bumping and disputing inquiries is that you forget who you applied for.u will be waiting for a while, I tried to call because they said they needed something faxed in or whatever, well that letter never came little commies Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 30, 2008 Author Report Share Posted January 30, 2008 u will be waiting for a while, I tried to call because they said they needed something faxed in or whatever, well that letter never came little commiesYeah, I just checked again. There is no decision yet, Apple does not know why. I will get a letter in 7 to 10 days. That's the same message I've been seeing for, uh, maybe 12 days. Oh well, maybe I'll get a letter some time. Fortunately that query already b* off TU, so no loss. Link to comment Share on other sites More sharing options...
Krash Posted January 30, 2008 Report Share Posted January 30, 2008 hey do this, go to juniper.com and check the status, there is a place where u can see the decision check it out! It may be a we need more info.... check it out and get back with us MAGS Link to comment Share on other sites More sharing options...
justagirl003 Posted January 31, 2008 Report Share Posted January 31, 2008 I got a Wal-Mart card last October with a limit of $800 and this month they increased it to $900. Link to comment Share on other sites More sharing options...
Krash Posted January 31, 2008 Report Share Posted January 31, 2008 I got a Wal-Mart card last October with a limit of $800 and this month they increased it to $900.Well atleast GE MONEY BANK likes someone......... HUMMMMMMMMMMMMMMMMMMM!! lol.......... that is great.... keep up the great work...... Link to comment Share on other sites More sharing options...
Magdalen77 Posted February 1, 2008 Author Report Share Posted February 1, 2008 hey do this, go to juniper.com and check the status, there is a place where u can see the decision check it out! It may be a we need more info.... check it out and get back with us MAGSThat's where I checked. Apple dumps you into the Juniper site. Dang. I'm not feeling too optimistic about this. I guess I really need to take the hint and quit applying for a while. One thing that's really cool is that some of the cards that I got at the end of December already have two months of "history" on them. So only four more months until they start helping my credit report. Actually, I haven't found out that the new credit lines have cut my scores too much. Maybe 10 points less, but then I disputed and bumped the inquiries and that balanced things out. Link to comment Share on other sites More sharing options...
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