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Added: 2008-03-20 - by [Hidden]
Approval Status
Approved?:
Yes
Date of Credit
Decision:
03-2008
Instant Decision?
Yes
Credit Limit:
$2000
APR:
18.90%
Annual Fee:
Not Posted
Credit Scores
Transunion:
630
Experian:
652
Equifax:
623
Vantage:
-
Financial Status
Household Income:
$40,000
Housing Status:
Own
Bankruptcy:
More Than 7 Years Ago
Credit
Limit and Rate Changes
Date Last Updated:
2008-03-26
Credit Limit Total
With Change:
$2000
New Annual Fee:
N/A
New APR:
N/A
Applicant Remarks:
Denied last May, but after spending the past 6 months taking my util down from 78% to 22% I was finally approved. Larger limit than any of my other cards.
Definitely wait at least until all accounts have aged six months or more. You could get a denial along the lines of... "Too many new accounts opened in the last six months." etc.
However, you are...
My guess is because I opened 3 out of 4 accounts in the past 12 months, and I had balances on most of them.
My utilization at that point was around 20%
Assuming you're young and your first credit card was opened 7/10, what had caused your scores to stay below 700? What is your current total utilization? You mentioned paying stuff off, if these...
I really want to get my foot in the door with AMEX. So I've read that Zync appears to be the easiest to get.
I currently have 4 Credit Cards (Citi Forward, Macys, Victoria Secret, and Ebay...
At least I know from my experiences when I was in my twenties and not so responsible about credit, sometimes after a few years have passed, some former creditors may decide to take you back. I had...
Financial Stats
Last 5 Posts
Definitely wait at least until all accounts have aged six months or more. You could get a denial along the lines of... "Too many new accounts opened in the last six months." etc. However, you are...
Amex zync?