Credit Card Center Advertiser Disclosure

Reply
Regular Contributor
Posts: 113
Registered: ‎07-08-2016
0 Kudos

App Spree advice....USAA, Chase, US Bank

[ Edited ]

 So I have been waiting to app for the Limitless since i heard about it last year.  Hoping it becomes official soon, rumors are next week.  I've also been eying a US Bank Cash + and a Chase Freedom since I already use a CSR.  I've also been wanting to get a 5% gas back card, and am pretty sure I'm going to try and get the USAA Amex at the same time as the Limitless on the same pull.  I'm thinking of apping for all 4 on the same day.

 

What I'm wondering is in what order would you all do this in, and does it even matter?  TU FICO 08 - 772, no new accounts or inquiries since February of this year (so 7 months).  Total inquiries - TU 1, EQ 4, EXP 5, AAoA 2 years 2 months.  6% total util. 9 total accounts, 1 auto loan, 1 mortgage, 4 open CC's (Lowe's doesn't show up on my personal report).  No baddies.

 

I wouldn't think that it would make that much of a difference, but would love to hear everyone else's thoughts on this.  These are my concerns:

 

1.  The Limitless will be my daily driver and am shooting for the best limit/APR I can get on this card out of all of them.

2.  I am 4/24 right now, and the Freedom falls under the 5/24 rule.  I do not care at all about limit/APR on this one.  Not sure if inquirie's from other banks will make a difference to their automated system or if it will mess with 5/24 rule.

3.  From what I read US Bank is really conservative and doesn't like new accounts, inquiries, or high total available credit.  Wondering if they might wig if they see inquiries from other banks on the same day.  Also that they manually review applications, and if it goes to 7-10 days and the other new accounts show up they might not like that.

 

I know the new accounts won't show up for a few days, but I think the inquiries will show up immediately to any other bank who looks, so whoever gets apped early in the day will see no new inq's and later in the day will see the inq's from the bank's earlier in the day

 

As far as what bureau's they pull, I have accounts with USAA and Chase and in the past they pulled:

USAA - EQ

Chase - EQ and EXP

 

And from what I can tell US Bank will pull TU

 

I don't put too much faith into this list of what CB's they pull from, you never really know which one they'll use, but at least it gives an idea.  It would be cool if it really did fall like this because US Bank would have no idea of the other 2.

 

I'm thinking that I will go in this order:

USAA Limitless + Amex

US Bank Cash +

Chase Freedom

 

Thanks for any advice you can toss my way, I'd appreciate it.

Senior Contributor
Posts: 9,341
Registered: ‎04-23-2016

Re: App Spree advice....USAA, Chase, US Bank

Ill only add looking at your stats you seem to have a high probabilty of coming out that spree 4 for 4Smiley Happy. Getting ones profile to look all spiffy is a great way to enjoy an app day like yoursSmiley Wink
Highlighted
Regular Contributor
Posts: 113
Registered: ‎07-08-2016
0 Kudos

Re: App Spree advice....USAA, Chase, US Bank

Thanks mate!  I should've mentioned that it wouldn't be possible without this board and the community that make it up.

 

I was a little lucky and my profile only looks that way because I have been semi-forced into the garden for the past 6 months while waiting on the Limitless =D

 

I'll follow up the thread with data points if I can.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.