10 cards!!!

[afbar1114]

i am going to stay app free for 6 months because discover says so...but i really want a CSP and bigger CLI on freedom and discover. i really would get rid of other cards just to get CSP

[navigatethis12]

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@jsickz32 wrote:

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i cant wait until i get my hands on a chase SP! i saw one in person and it looks darker then they look in the website....imo makes it more classy looking.

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It does look nice, it scratches easily though. Twice my mom had to request a new one because it was all scratched up when it arrived. Sapphire is my birthstone so it may fit nicely with me. I just have no use for it other than the sign up bonus. I never eat out or travel.

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@afbar1114 wrote:

i am going to stay app free for 6 months because discover says so.

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They actually told you not to apply for anything for six months?

[afbar1114]

No but a lot of people here say not tootoo

[navigatethis12]

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@afbar1114 wrote:

No but a lot of people here say not tootoo

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Oh okay. I never have really had a problem with inquiries. As long as all cards are not maxed out, they really should not prevent a card getting approved.

[jsickz32]

@navigatethis12
I have 9 inqs from this last app spree. The only thing holding me back are too many new accounts.

[afbar1114]

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@jsickz32 wrote:
@navigatethis12
I have 9 inqs from this last app spree. The only thing holding me back are too many new accounts.

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Wow you have a lot of cards there...if I app for citi when should I do it? Should I wait six months go on a mini spree? by mini spree I mean  request CLIs on freedom discover BoA and maybe app for citi or CSPCSP

[navigatethis12]

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@jsickz32 wrote:
@navigatethis12
I have 9 inqs from this last app spree. The only thing holding me back are too many new accounts.

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Yes that also makes them hesitate. I opened up a bunch at the beginning of the year and like that they are all aging at the same time. I have had a few analysts say something about new accounts, but they see everything is paid and zero to little balances so they are not too worried about it. Time is the best thing with credit, but these banks just keep coming out with these great cards and sign up offers.

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@afbar1114 wrote:

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Wow you have a lot of cards there...if I app for citi when should I do it? Should I wait six months go on a mini spree? by mini spree I mean  request CLIs on freedom discover BoA and maybe app for citi or CSPCSP

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Citi is the exception to what I said. They seem to be horribly inquiry sensitive, especially if you have a thin or bad file. I would wait at least six months to a year from the last inquiry for them. I do not believe you can ask for a reconsideration either. For a big bank, they really are terrible at many things.

[jsickz32]

@navigatethis12
I opened 15 lol

@afbar1114
When i apped for citi i had 2 inqs whitin the last 12 months and they took 2 weeks to approve me for the forward

[navigatethis12]

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@jsickz32 wrote:
@navigatethis12
I opened 15 lol

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I only opened ten or eleven, so you beat me lol.

[afbar1114]

I dont even know how many i opened....but i am quite content on the ones i have now. with maybe another 2 cards like citi or csp or amex