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Hey everyone,
4 month ago I got approved for a Chase Sapphire Preferred with a 9k starting limit.
A week ago I got approved for a Capital One Venture with a 5k starting limit.
I would like more cards, but I don't know if it would be a smart decision. Should I wait 6 month before applying for a third card?
MY scores are 753,753,742.
I would love an AMEX BCE, or another good cash back card by the way. Any ideas ?
What are you guys thinking? What kind of card should I get? I am pretty new to the credit game...
Thanks everyone!
With your scores you're prime for BCE and Discover. I'd say get those 2 and be done for a year.
@gkinter wrote:
I'm just afraid I will be approved for a $1000 sl and I wouldn't see the point I'm that case . Should I apply for both by the way?
I'd suggest waiting until January and then go for a Discover card. My guess is they may start you at $4.5k.
The nice thing about Discover card is CLI requests are only soft pulls and the CLIs are often in $5k or $6k increment.
AMEX is SP CLIs as well. With a 5K and 9K limit on your other cards being shy of a 1K limit is kind of silly since both Discover / AMEX will outgrow those both in less than a year with CLIs. I wouldn't worry about the opening limit since Discover started me @ $4500 and my other limits were in the 17K range... now those 17K limits are less than 1/2 of what Discover is now. Amex started me at $10K and now in a little over a year it's up to $50K.
What is the reason your applying? Do you need a third card? Do you first 2 cards provide sufficient credit?
Thats amazing austinguy907, I been denied twice now with amex cli's maybe utilation is my issue or score, or then again both lol
@gkinter wrote:
MY scores are 753,753,742.
I would love an AMEX BCE, or another good cash back card by the way. Any ideas ?
I'd apply for the AMEX now, along with whatever else you desire.
@gkinter wrote:
Thanks everyone!
I got an instant approval 10k SL for an amex BCE
I'm super happy !! Thanks again !
Congrats! Great job 👍