Well ok from the 2 inq i did last week i got 1 out of the 2. the Target Visa came today but i also got my denial letter from Citi They denied my app for the smart card due to .. "Your total credit obligations (which include outstanding credit lines) When compared to your stated income are to high to meet our approval guidlines" they say if my credit report changes i can send it to them within 30 days. My question is that on that reprt they pulled (experian) i have a score as of 01/03/02 (692) it went up 2 points from 12/28/01 so should i call them to see what they can do OR apply for another BT card at 0% I really want a bt apr of 0% to pay off 2 cards Answers PLEASE!
It's possible to shuffle your debt around with BT's to make your amount owed seem significantly lower if your timing is really good. Search for the thread on how to do it. Can raise your score significantly
