Since my spending is spread over multiple cards this past year (14K was max on one card, 6k max on any other card) I didnt do the capital one. I did however jump on a SPG card (25k offer) and got instantly approved. I was in a rush to get it since some deposits for my wedding are due in the next 2 weeks and would like to use that towards my 5K spending requirement.

Here is my question. My credit Karma shows 730. Its been as high as 740, for really no reason, and was 713 when I started tracking it last May when I began the credit card bonus game, but I havent done too many applications.

However, my credit Karma does not show my home mortgage yet. We closed on Jan 11th, 2012. Should this information be up there by now? We paid Jan interest at closing so first payment was paid on March 1st.


I will likely wait for some 50k point bonuses to return and apply for 4-5 cards after I hit my 5K spending on the SPG and Close the Citi Personal card and BofA Visa since I dont use either of those 2. My Citi Business I use to track my small business spending for my side work.