Search the Community

I have read strategies about app'ing for 2 Citi Cards. Does or has anyone have/had experience/success with Citi and multiple apps? Trying to see if it actually is feasible to accomplish this. As always, thanks!

I'm helping a friend of mine who has one $95 dollar baddie, a $1000 in student loan in good standing, and 12 hard pulls. He's sent a DV for the baddie. I've told him to get a credit card, but one that he will actually get. What is the next step? Should he go get real FICOs at myFICO so I can run them past the CB folks here? Should he just apply for a secured card? No problem to get myFICO FICOs if you'd like to know his FICO, but I don't know that he really has enough history to get a FICO. I know they are useless but his EQ FAKO is 622 (Fair).

So here is the deal. Thought my TU was 756, which was their Vantage score. I was way off. MyFico said TU is 675 when I ran it today. That puts all my scores in the 650-675 range. 3 years ago, I had a bad stretch, and used a credit service to help me. All accounts were paid in full and closed. Currently, I have a mortgage (originally $61K, now $55K), 5 student loans totaling $20K, a car loan (also $20K) and a CapOne card with $300 limit. Requested an increase in CL three months ago, and CapOne said no. Other than just letting my score climb a few points per month as I pay on these 8 accounts, what do I do? I do not want to run up a bunch of pulls if I am not going to be approved. Today, when checking out online with Victoria's Secret, I was offered a $500 pre-approved account. Should I accept these sort of offers, even though they are store cards and have such low limits? Am I better off making an effort for another major credit card (maybe Barclay's as my TU is the highest) or better off just looking at other cards issued by WFFNB/Cominity like Victoria's Secret and add three or four of those at $300-$500 limits each? Would opening these new accounts, and having pulls, help or hurt my credit overall? Clearly it is an issue that I only have one card with a $300 limit (I use it but ALWAYS paid in full before the day it reports), but I am confused whether having more available credit would help more than opening new accounts would hurt. I would appreciate ANY advice on how to get my score higher and at get a card with a limit high enough that I can at least use it for emergencies. Thanks all!