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Valued Member
Posts: 35
Registered: ‎02-05-2012
0

Open 5 credit cards resently

Hi how long should I wait before applying for American express? I just got approved for a discover more for $5500, BCU visa card $1000, Papal Master card $1500

walmart card $600.00 chase freedom 500.00and just refinanced my car 

How long should I wait to app for a america express card?

 

Thanks

Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Open 5 credit cards resently


jf49rs wrote:

Hi how long should I wait before applying for American express? I just got approved for a discover more for $5500, BCU visa card $1000, Papal Master card $1500

walmart card $600.00 chase freedom 500.00and just refinanced my car 

How long should I wait to app for a america express card?

 

Thanks


Seems like 6 months is the magic number... or maybe 12 months.

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
Posts: 921
Registered: ‎12-10-2011
0

what does your scores look like?

what does your scores look like?


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: what does your scores look like?

Congrats on those approvals. How long ago did you get approved for them?

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Regular Contributor
Posts: 197
Registered: ‎05-06-2012
0

Re: what does your scores look like?

I would wait a good 12 months to let your inquiries go down a bit and for the accounts to report.  At this point you may get a higher starting limit therefore at the 61-day mark you can attempt a 3X CLI for even higher. If you attempt too soon you will get stuck with a low limit like some of the cards you just posted instead of a higher limit for having less inquiries and a higher AAoA.



Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 795 | TU 788 | EX 770
Goal Score: 750 (Across All 3)


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: Open 5 credit cards resently

at least 6mo. and with low util%
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Member
Posts: 35
Registered: ‎02-05-2012
0

Re: what does your scores look like?

[ Edited ]

Just yesterday and today I was aproved for the walmart card

and thanks

Valued Member
Posts: 35
Registered: ‎02-05-2012
0

Re: what does your scores look like?

My fico scores are on the 680's and I just bought a house last month but haven't made a payment yet $280k loan on the mortgage

New Contributor
Posts: 72
Registered: ‎03-19-2011
0

Re: Open 5 credit cards resently


jf49rs wrote:

Hi how long should I wait before applying for American express? I just got approved for a discover more for $5500, BCU visa card $1000, Papal Master card $1500

walmart card $600.00 chase freedom 500.00and just refinanced my car 

How long should I wait to app for a america express card?

 

Thanks


Does that one give you a special discount at the Vatican?  LOL

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
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