- Platinum Member
- Posts: 51
- Joined: Thu Nov 10, 2011 8:51 am
- Location: USA
MemberSince99 wrote:We still have no idea what your utilization is. Or your scores. Discover is not THAT hard to get I hear of people in the upper 600s (like 675 or 680) getting approved for the More card. You MAY be able to get that now.
The US Bank card on the other hand is one of the harder cards to get. If your score is not at least close to mid 700s you will probably not be approved for it. Shoot for at least 740 before applying for best odds of success.
That's about the best I can tell you, having both of the cards.
According to Credit Karma, my credit card utilization is currently at 12%. Historically it has stayed around 3% but these last few months we have needed to use some cards for emergencies. Balances ALWAYS paid in full (except for my 0% interest promo cards), never late. My score today is only 741 (again, Credit Karma). Before all this chaos it was 786. I hope it bounces back once I pay off a couple accounts (1 paid off in January, 1 paid off in February and the last paid off in March.)
Thanks for the information you provided on the cards. That helps.
Amex Blue Cash Everyday (25K, 2011)
Amex Costco TrueEarnings (7K, 2005)
Citi Forward (12K, 2012)
Chase Freedom (18K, 2013)
Chase Sapphire Visa (8K, 2002)
GE Capital Gap Visa (8K, 2010)
US Bank Cash+ Visa (13K, 2013)
BofA Royal Caribbean Visa (11K, 2006) ~not used
Home Depot Store Card (5K, 2005) ~not used