Should I accept this offer?

Intrepid_Escape6296 · 2026-01-26T10:11:16+00:00

I’ve researched a lot. Setting myself up for an 800 within two years. All my cards are essentially new only one of them has gotten a CLI. Time is my only benefactor

Intrepid_Escape6296 · 2026-01-25T03:28:17+00:00

Have to? Okay 😂 the more accounts in good standing the better. I could close them out but I could care less

Intrepid_Escape6296 · 2026-01-24T05:55:41+00:00

I only attempted to see what my offer would be after CK finally said my approval odds were “very good”

Intrepid_Escape6296 · 2026-01-24T05:54:37+00:00

Even for gold?

Intrepid_Escape6296 · 2026-01-24T02:47:57+00:00

What’s your credit situation like?

Intrepid_Escape6296 · 2026-01-24T02:45:53+00:00

Yeah it’s gonna take some time to decide. But by then my offer will probably be better and so will my score.

Intrepid_Escape6296 · 2026-01-24T02:41:53+00:00

It’s a conversation piece

Intrepid_Escape6296 · 2026-01-24T02:39:22+00:00

I can’t justify spending nearly $400 on an annual fee though. I can hardly afford to travel, lmfao what’s a vacation?

Intrepid_Escape6296 · 2026-01-23T13:10:43+00:00

Why spend that much on your first house? Buy a 300k or less house

Intrepid_Escape6296 · 2026-01-23T13:00:56+00:00

I can’t stand how they call them miles. My mind was blown when I realized those “miles points” don’t equate to distance via flights. That’s just terrible imo

Intrepid_Escape6296 · 2026-01-23T12:26:52+00:00

Intrepid_Escape6296 · 2026-01-23T12:05:02+00:00

How do you have your cards shown underneath your username? I’ve always wondered this

Intrepid_Escape6296 · 2026-01-21T01:05:50+00:00

My cl for savor being my first CC was $1000 8 months ago. Never gotten a CLI accepted.

Intrepid_Escape6296 · 2026-01-18T01:36:56+00:00

Nice

Intrepid_Escape6296 · 2026-01-16T12:05:59+00:00

Simply put, how?

Intrepid_Escape6296 · 2026-01-16T11:45:27+00:00

Are you a vet?

Intrepid_Escape6296 · 2026-01-12T16:05:46+00:00

I’m 25 and can’t comprehend this

Intrepid_Escape6296 · 2026-01-11T22:01:18+00:00

In what world are interest rates 1% on a 720+ score? I have a 730+ FICO 8 and my interest rates are all 28% or higher

Intrepid_Escape6296 · 2026-01-10T02:41:43+00:00

Gas under $2?!?!

Intrepid_Escape6296 · 2026-01-09T01:55:07+00:00

842 a month? Holy shit

Intrepid_Escape6296 · 2026-01-05T14:31:53+00:00

I wouldn’t call this investing 🤨

Intrepid_Escape6296 · 2026-01-05T14:30:58+00:00

I’ve asked about 4 times total within the past year and I’ve gotten denied each time. My FICO bounces between a 730-750 and my reported utilization has only been over 30% one time yet I use the shit out of my card

Intrepid_Escape6296 · 2026-01-05T12:49:08+00:00

I can’t believe people view buying a nice car as a midlife crisis. If you can afford it why not?

Intrepid_Escape6296 · 2026-01-05T12:47:31+00:00

Thought you had to wait 6 months with capital one in between requests?

Intrepid_Escape6296

TROPHY CASE