- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
graath wrote:Just wondering if you all could give me some feedback on a potential CC ap for the "It" card.
I own one cc, the Barclays USAirways card. Owned it for almost a decade. Have an 8400 limit and owe about $4000 on the card. Also have an AMEX gold charge card.
I am an authorized user on my wife's AMEX Blue Cash card and Chase Freedom with a combined credit line of $9500. Does this count towards my score or credit line?
My current FICO, according to Barclays' site, is 693.
A year ago this time I got into some problems with my car loan when I switched banks and the autopay was not switched properly. I got behind on payments without realizing it and was sent to collections. My score jumped from the low 600s to 693 in about a year, according to Barclays.
I owe about $12000 in student debt.
I owe about $1700 on my car.
Used to get cc offers all the time and only now am starting to get them again. I'm pre-approved for Chase and Capital One cash back cards, but want the Discover it card after reading more into cash back cards.
Just want to know what everyone's take is on my chances of getting approved. Thanks in advance.
Discover can be such a wild card IMO. There are people who are lucky enough to get auto CLIs on a regular basis but for others, they can be really conservative with CLs and CLIs. They started to loosen up a little bit with me but I had to email their executive office and that's how I got another CLI in less than 3 months.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)