requiredfield wrote:You can have three hard inquires per bureau. If they are spread out correctly and only pull one each, that's nine inquires. Since you don't know where they are landing, three would be a safe place to stop. I think your chances are good.
How high was your FICO score?
The report showed no inquiries?
Just what is the limit on that BoA card?
Blue Cash; Not the Blue Cash Everyday? 3% Grocery, 2% Gas/Dept. Stores and 1% everywhere on the Everyday card.
Boring BoA. Call and see if they will product change to a Cash Rewards. 3% Gas, 2% Grocery and 1% everywhere. Plus a 10% bonus on your rewards if you have a banking relationship with them, $1500 minimum. Or to just a straight 1% card.
That Freedom card you think you want has the same deal, 10% bonus if you have a banking relationship with them, I don't know the minimum. Why this one?
You're looking at the 1.5% Cap1, this is quite a departure from what you have so far.
The BoA card has a CL of 4k -- the new Amex blue cash preferred was opened with 2k
I applied for the Capital One Cash because I wanted a card which had 0 international fees and offered a decent flat cash back but was denied for it sadly.
Upon arrival of my Amex card they gave me an updated credit score which is experian 774 - so I am left to assume that even with a good score not having the 5k minimum credit limit that Capital one considers required for excellent credit I was left out in the cold. -- hopefully that rejected app wont hurt my score too badly --
Myfico report showed 1 inquiry from AT&T when I had gotten a cellphone with them.
Also, why is the capital one cash 1.5% quite a departure?
@zapper - I was thinking about calling in BoA and asking for a CL increase but online it only shows an option that would involve a hard hit -- do you happen to know if it's possible to get an increase with BoA w/o a hard hit?