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theceo

App Spree Success! I’m BACK here after a decade.

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Credit One is making me wait for a reply by mail to close it. Ill likely be stuck with the one time fee. Its still pending, and its been a week and a half, so Im guessing Ill get denied and hopefully be fee-free. Meh.

 

I cant wait for my other new credit cards to start reporting and help my utilization and scores.

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But will it still report anyways, and for 10yrs? That's the main reason for not opening it.

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Supposedly it won't report, so long as I never active it before closing it. I haven't been approved it, it's been in orocess so long it'll probably be declined anyway.

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Finally got the West Elm $2000 card in the mail. It’s nice having an increasing number of options and increasing scores. :)

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Wow. 8 toy cards in 2018 and we’re only 17 days in the year! I truly hope you spend a lot of time here learning.

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Couldn’t reach Credit One today, but will try again to cancel the application.

 

Yeah, I am rather impatient to have decent credit again. I wanted to buy a house in 2 years or less and the odds are increasingly dim. Or rent an urban apartment if a career takes me there since it would mean a good income jump, but I can’t even qualify for a decent downtown apartment with my credit yet. I should pay off those Cap One cards I know, but after a rough patch, am afraid to not have as much cash as possible on hand. I’ll have to rethink that. My scores and options could improve even with a 50 point credit score jump from paying those off. Don’t we all need to work on our income? :D I do there too.

 

I don’t know why I want BOA or Citi so much, even though it’s not necessary, but I do want to start a relationship with a decent lender. I suppose I do already have that with Discover- if they really let me keep that card. Can’t help but think they made a mistake and I won’t really have that credit card. Anyway, I do need to let things garden. I just really don’t want to have to wait a year for a decent score.

Do not activate that credit one card!! Seriously, call and cancel

 

Sent from my VS988 using Tapatalk

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I'm rebuilding so these small cards are not toys to me. It'll take a few years to really get my scores to prime and qualified for larger CLs.

 

Many of these stores I already shopped at often sk there's the discounts and the convenience as well. Target gives 5% off with their card, and that's where I get groceries.

 

I did get a lot and (too) quick, mostly from preapprovals or SCTs, but am definitely gardening from here on.

 

My utilization needed help so these 'toy' cards helped with available credit. I only bad 2 real mc/visa cards before now.

 

Credit One would not let me cancel by phone and said I have to wait for their response by mail to cancel. I tried twice by phone.

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