- Posts: 2
- Joined: Tue Jun 11, 2013 9:11 am
- Location: Atl, GA
Been lurking for a while but finally feel like I need some assistance.
My first credit that reports is in December 2011 and is a joint car loan (which I pay) with my husband. I then applied for a Cap One card and have a $300 limit on that. No increases.
My credit report shows no inquiries, no collections, etc.
My scores are: myfico Equifax: 670, myfico TU 686, Experian 680
In an ideal world I would like:
A real visa CC
Amex Delta Gold (I try to travel a lot and Delta fly direct from Atl to Lon - bonus!)
Discover it (I'd like some stuff back)
At the moment:
I tried the shopping cart trick at VS and was pre approved for $750.
I'm a bit reluctant to apply for any of the first three. I'm concerned that if I don't get approved that it will "ding" my score.
Am I in a position to apply for something or should just wait a while longer??