Citi card and Chase inquiry dropped my FICO score 5 points

For just about anything you want to get off your chest about credit cards.
3 posts
MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Citi card and Chase inquiry dropped my FICO score 5 points

Postby MemberSince99 » Tue Jan 21, 2014 6:33 am

According to Barclays. They also cited utilization, but if letting 63 dollars hit out of about 70k in total limits is a major issue (I'm sure the FICO fanatics would be screaming that's a MASSIVE red flag to lenders) then you might as well just go back to debit cards. So I assume they had to cite 2 reasons and that's what they picked.


I imagine when the Freedom reports it will drop further. Oh well. Right now they have it pegged at 794. If it drops to 789, what seriously will it matter in any practical way? I can't see any difference in regards to anything.


TheLethargicAge
Centurion Member
Centurion Member
 
Posts: 322
Joined: Tue Oct 16, 2012 11:20 pm
Location: Miami, Cuba

Postby TheLethargicAge » Thu Jan 23, 2014 10:32 pm

You have a fever...and the only cure for it is more gardening!
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Fri Jan 24, 2014 6:41 am

I'm in the garden for life! It's my prison sentence that I happily embrace! I'd ask for waterboarding but I think it's part of the program.



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests