Going for a few...

[david_weaver]

Scores all right around 700.

 

Would like to add some cards to continue lowering utilization and to provide a cushion as I will be keeping two homes the next 6 months so utilization will rise.

 

First question would be Amex. Requested a CLI two weeks ago after being assured they would use a fresh pull (I had paid down nearly $15K in balances in October, including nearly paying off my Amex). Denial letter had a pull from early October and reason was overall utilization and Amex balance, both of which were wildly different by the time of CLI request. I know there is a time-wait if you GET a CLI, but can I ask again now that the pull would show the new picture, or still must wait?

 

Second, I would like to add with Amex, even though as I have expressed in other posts, I hate them right now. I was thinking EveryDay, and then maybe piggyback a PIF?

 

Third, I would like to add another Barclay. As my new home will have US Air (for as long as they exist), I was thinking the Barclay US Air. I considered Arrival World but seems like not a lot of approvals at 700 or below.

 

Fourth, I like the approvals and limits I see with Venture on here, especially if I can freeze EX and do a TU/EQ pull instead of a triple.

 

Any recommendations or warnings?

[mendelssohn]

Keep in mind when comparing cards that US Airways gives you miles and both the Venture and Arrival are cash back cards.

 

FWIW I was approved for both the US Airways and Arrival+ with sub-700 FICOs.

[BJKill]

Scores all right around 700.

 

Would like to add some cards to continue lowering utilization and to provide a cushion as I will be keeping two homes the next 6 months so utilization will rise.

 

First question would be Amex. Requested a CLI two weeks ago after being assured they would use a fresh pull (I had paid down nearly $15K in balances in October, including nearly paying off my Amex). Denial letter had a pull from early October and reason was overall utilization and Amex balance, both of which were wildly different by the time of CLI request. I know there is a time-wait if you GET a CLI, but can I ask again now that the pull would show the new picture, or still must wait?

 

Second, I would like to add with Amex, even though as I have expressed in other posts, I hate them right now. I was thinking EveryDay, and then maybe piggyback a PIF?

 

Third, I would like to add another Barclay. As my new home will have US Air (for as long as they exist), I was thinking the Barclay US Air. I considered Arrival World but seems like not a lot of approvals at 700 or below.

 

Fourth, I like the approvals and limits I see with Venture on here, especially if I can freeze EX and do a TU/EQ pull instead of a triple.

 

Any recommendations or warnings?

I got approved this morning for the Venture card, 10K, 650 FICO's, Exp iced, 11 months post Bk 7 D/C. This is an easy card to get. You would likely get 15K+

[shifter]

How does keeping 2 homes for 6 months mean util will rise?

 

Plenty of people have 2 homes or more with no util.

 

That means you can't afford 2 homes.

 

That's a bad place to be because what happens when 6 months turns into a year or 2?

 

I had an investment property that I was supposed to sell in a month. 4 years later I just finally sold it last month.

 

Don't get in over your head with houses. They're expensive beasts.

[david_weaver]

The home situation is job-transfer related, and has a buyout if it does not sell. And if it were two 'houses', that would be different. We carried that when we moved to Maine while we sold our Ohio house. But right now it is a $2200 furnished apartment there AND the house here in Maine getting ready for another fun winter. In 2014, that was $7,000 in oil that we spread with a budget over the 12 months. This time, as will not be here all through 2015, we will have to pay monthly, so maybe $1200 or more each month of winter.

 

I should have said 'may rise' and not 'will rise' as we should still be able to meet obligations without having to take on additional debt. Basically, with the added housing and living expenses, utilization may not definitely rise, but I doubt it will drop significantly again for another 6 months. Adding another $10K or more in CLs would guarantee no increase in utilization.

 

As always though Shifter, appreciate you looking out for me and the others on here who learning from past mistakes and trying not to remake them or make new ones.

[david_weaver]

Keep in mind when comparing cards that US Airways gives you miles and both the Venture and Arrival are cash back cards.

 

FWIW I was approved for both the US Airways and Arrival+ with sub-700 FICOs.

 

Yes, that is a tricky one. I have the Delta Amex as Delta has always been my primary airline. Now, with one of us in Maine and the other in Kentucky, I still prefer Delta but US Air has some nice flight options. I think if I went US Air, I would go Venture instead of adding another Barclay with Arrival. Of course, all TU pulls though.