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Discussion in 'Credit Talk' started by LadyCarr, Nov 4, 2000.
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I have DISCOVERCARD PLATINUM...and have a lot of other credit.
Was an upgrade from regular card.
NOTE: HAD CARD FOR OVER FIVE YEARS W/O ANY "AUTOMATIC" CREDIT LINE INCREASE, EVER!!!
APPLY??? IF YOU HAVE NO INQUIRES FOR SIX MONTHS IT WILL PROBABLY BE APPROVED.
IF YOU WANT, YOU CAN APPLY ON LINE.
ALSO BAD...NEW APPLICATIONS GET LOWER INTEREST RATE THAN PEOPLE WITH OVER FIVE YEARS. ALSO GET 0.00% INTRO RATE.
RE: Thanks George
Yeah that sucks when the new applicant can get better terms than a long time customer. I sure hope I can get the card. I want it so bad, that if they had a secured card, I would jump on that, just to have the card.
They use your credit score to decide if you meet their criteria for an increase on your credit limit.Creditors are tighting up further on their credit standards to guard against any major losses that they are expecting as this booming economy is starting to wind down.The 4 reasons code that makes up your score will be the factor on them deciding wether to give to you or not.
I definitely suggest waiting 6 mo. for the inquiries to lose their negative effect. I applied in September, and my first denial reason was "excessive inquiries." I had 13-15 in the past six months when I applied (I assume "trillions" is more yet!!)
I called the rep, and she said they look at inquiries from the past six months, so if you could go that long w/o applying for any more credit, then you should be in good shape. They pulled TU for me here in Indiana, but it seems like everybody else has different reports pulled than me from the same lender, so I don't know for sure...