Hi myFico family! I haven't posted in about 5 years but I visit this board multiple times a day (never close the window on my phone). I just applied for the CSP which I've wanted for awhile but was trying to wait until my util. decreased around the beginning of the year. Before last year I had not applied for any credit cards since 2011. I am unsure of what my credit scores are for experian and transunion, but as of last month Experian was 693 and Transunion was 699. I had two inquiries on Experian prior to applying and 0 on Transunion. Average age of accounts was 5 years and 3 months. I have an $18,000 NFCU cash rewards (2011), $10,400 USAA world MasterCard (2011), $10,000 American Express (Dec. 2015), and $6,000 JCP (2010). My oldest account which is now closed as of Nov of last year is from 2007. My overall util. is around 40%. I know I should've waited to apply, but I wanted the UR's for an upcoming trip. I was approved for $5,000 at the highest APR (made it in...barely...phew) and approval was instant! Annual income is $50k. I do not mind the apr as I will not be carrying a balance. The high util. Is from a balance transfer I took advantage of to pay off a loan quicker. Thank you to everyone on this board for your informative posts over the last half decade. You guys rock!
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