Credi Card

[chinni005]

oddhu le ippati 2 cards unanyi.. 3k vi.. avi fill cheskovali mundhu..

[vizzeboy]

[quote name='accuman' timestamp='1362284828' post='1303357501']

not affects
[/quote]


bhaya bhaya naku 7 hard enquiries vunayee ....[b]hard enquiries future lo emmo prob avuthayaaa ...rent or maro card ki apply chaysaty[/b]

recent ga amex tesukunanu....vadu 2k echadu ..i hurt...adi kuda 6months 0 % apr

credit karma lo chusanu 30 points tho credit score down ayyee 720 vachindi



please help me

[accuman]

[quote name='vizzeboy' timestamp='1362285556' post='1303357553']


bhaya bhaya naku 7 hard enquiries vunayee ....[b]hard enquiries future lo emmo prob avuthayaaa ...rent or maro card ki apply chaysaty[/b]

recent ga amex tesukunanu....vadu 2k echadu ..i hurt...adi kuda 6months 0 % apr

credit karma lo chusanu 30 points tho credit score down ayyee 720 vachindi



please help me
[/quote]


baa enquiries vunnayi antunnavu.

neevu ikkada lekunda cheyya galava cheppu?

vati gurinchi marchipoo

kontha time emi apply cheyyaku ala vadileseyyi

2k ichhadu antava adi chala vati meeda adari padi vuntadi.

nee credt card usage max 50% pettu.

ante neeku 1000 card vunte 500 varake vaadu.

mana vallu chala mandi oka card 2000=A card, 3500=B card or C=4000 0% APR for 6 months

vunte C card ni 3900 vadestharu adi chala thappu.

ee card ni ayna 50% kante ekkuva teesuku velthe nee scores decreading ki velthayi

http://www.myfico.com/crediteducation/improveyourscore.aspx

nee credit report techhukuni chusuko

aa hard enquires vi anni neeve chesava or vere vaadu chesada nee permision lekunda?

[accuman]

http://www.experian.com/credit-education/improve-credit-score.html

[accuman]

[quote name='vizzeboy' timestamp='1362285556' post='1303357553']


bhaya bhaya naku 7 hard enquiries vunayee ....[b]hard enquiries future lo emmo prob avuthayaaa ...rent or maro card ki apply chaysaty[/b]

recent ga amex tesukunanu....vadu 2k echadu ..i hurt...adi kuda 6months 0 % apr

credit karma lo chusanu 30 points tho credit score down ayyee 720 vachindi



please help me
[/quote]


[color=#595959][font=Arial, Helvetica, sans-serif][size=3][background=rgb(240, 240, 240)]Inquiries remain on your report for two years.[/background][/size][/font][/color]

http://www.experian.com/credit-education/improve-credit-score.html#HowLong

[vizzeboy]

[quote name='accuman' timestamp='1362288510' post='1303357883']
baa enquiries vunnayi antunnavu.

neevu ikkada lekunda cheyya galava cheppu?

vati gurinchi marchipoo

kontha time emi apply cheyyaku ala vadileseyyi

2k ichhadu antava adi chala vati meeda adari padi vuntadi.

nee credt card usage max 50% pettu.

ante neeku 1000 card vunte 500 varake vaadu.

mana vallu chala mandi oka card 2000=A card, 3500=B card or C=4000 0% APR for 6 months

vunte C card ni 3900 vadestharu adi chala thappu.

ee card ni ayna 50% kante ekkuva teesuku velthe nee scores decreading ki velthayi

[url="http://www.myfico.com/crediteducation/improveyourscore.aspx"]http://www.myfico.co...eyourscore.aspx[/url]

nee credit report techhukuni chusuko

aa hard enquires vi anni neeve chesava or vere vaadu chesada nee permision lekunda?
[/quote]


aa hard enquires vi anni na apply chaysinappudu...or ATT vadu...or DCU vadu...chala mandi vunaru...inka stop chaydamani anukutunanu
apply chaytam...cards...

thanks bro...for clear picture,,,,,me analysis correct....naku 2000


school lo vunappudu....citi 3k vundi recent ga request chaysi 4k ki increase chaysaru APR kuda offer echadu 11 echadu...from 20.99 nuchi
current balance ZERO...card use chaytam lay 1 month nuchi

school lo vunappudu BOFA 2500 echadu...request chaystay 5k ki increase cchaysaru current APR 20.99 vundi ani....li8 tesukunnanu use chayatam ...current balance ZERO....card use chaytam lay 1 month nuchi




citi simple city 1 yr APR tho 2k echadu

amex unexepctd ga apply chaysanu......2k echadu...

CITI,,BOFA...use chaytam lay....lite tesukunanu....

[vizzeboy]

citi BOFA stop chaystay problem aa use chaytam...

credit karma lo chusanu....30 % cards usage taggindii ani...report lo echadu..

[accuman]

[quote name='vizzeboy' timestamp='1362289104' post='1303357976']
aa hard enquires vi anni na apply chaysinappudu...or ATT vadu...or DCU vadu...chala mandi vunaru...inka stop chaydamani anukutunanu
apply chaytam...cards...

thanks bro...for clear picture,,,,,me analysis correct....naku 2000


school lo vunappudu....citi 3k vundi recent ga request chaysi 4k ki increase chaysaru APR kuda offer echadu 11 echadu...from 20.99 nuchi
current balance ZERO...card use chaytam lay 1 month nuchi

school lo vunappudu BOFA 2500 echadu...request chaystay 5k ki increase cchaysaru current APR 20.99 vundi ani....li8 tesukunnanu use chayatam ...current balance ZERO....card use chaytam lay 1 month nuchi




citi simple city 1 yr APR tho 2k echadu

amex unexepctd ga apply chaysanu......2k echadu...

CITI,,BOFA...use chaytam lay....lite tesukunanu....
[/quote]


anni cards ni equal ga vaadu apr vesina sare

simple example emi ante neevu BOFA ni c limit increase cheyya mante

vaadi equation

BOFA limit=cscore +(BOFA c card usage factor * Cscore)1000

BOFA limit=720+(.01*720) 1000=720+(7.2)1000=720+7200=7920

ade BOFA vadaka pote

BOFA limit=720+(0.001*720)1000=1440



ila vuntayi simple ga valla modellings

so prathi card ni every month konchem konchem vaaduthu vundu.

[vizzeboy]

[quote name='accuman' timestamp='1362289505' post='1303358050']
anni cards ni equal ga vaadu apr vesina sare

simple example emi ante neevu BOFA ni c limit increase cheyya mante

vaadi equation

BOFA limit=cscore +(BOFA c card usage factor * Cscore)1000

BOFA limit=720+(.01*720) 1000=720+(7.2)1000=720+7200=7920

ade BOFA vadaka pote

BOFA limit=720+(0.001*720)1000=1440



ila vuntayi simple ga valla modellings

so prathi card ni every month konchem konchem vaaduthu vundu.
[/quote]


Thanks bro....

[bublybamma]

hard checks unte ela telsukovachu mama???

[aamerica_seenu]

[quote name='mogalichettu' timestamp='1362283156' post='1303357378']
Hello Bayyas,

I only have Citi Credit card from more than 2 years with $3000 credit limit.
As per credit karma, I used to have 2 hard inquiries and both were cleared 1 month back.
Credit score 743.

Please suggest some good credit cards with low APR that will get approved for this score with credit limit $4000 to $5000.
[/quote]
[quote name='pinky123' timestamp='1362283339' post='1303357397']
720
[/quote]

meeru manushula inkemanna na ida 650 lekane edusthunte

[Kakateyudu]

[quote name='pinky123' timestamp='1362283244' post='1303357387']
try discover... naaku 8000$ ichadu [img]http://24.media.tumblr.com/tumblr_m48c2evNWk1rrfgywo1_r2_500.gif[/img]
[/quote]
naku $7500 ichadu [img]http://www.desigifs.com/sites/default/files/i71954_8cf15b59925e6265506c8c93a1888c78_0.gif?1343987180[/img]

[Chitti_Robo_Rebuilt]

CREDIT KARMA lo freee gaa cheybutharaa credit score? or one montha free and next money kattali ani untundhaaa?

[accuman]

[quote name='bublybamma' timestamp='1362316573' post='1303358902']
hard checks unte ela telsukovachu mama???
[/quote]

hard check jarigi nappudu free copy teppinchukovachhu

or

year ki 1 free

[maximummax]

try to avoid these
discover
american express
capitol one

best is citi, they report it to credi bureau. the above one's don't