I applied on the 10.28. and I got instant approval for 6200 on BCE, they pulled Experian fico 747 (lot of inquiries 9). Now, here is the thing, I got a preselected offer online just for me
for Amex blue Sky card: 30 000 bonus points after spending 500 in 90 days, no AF ;I can redem that as 400$ For my next plane ticket purchase.
If i apply for that second card, is it gonna be another HARD OR SOFT PULL?
What are your experiences?
Starting Score: 580
Probably a HP but if you can see a present and future need for the card I say go for it.
If you wait til January you'll get backdating but you also might miss out on the bonus.
If you wait til January you'll get backdating but you also might miss out on the bonus.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Congrats Amex stop sending me per approvals after this false collection hit my report. So I am waiting to may and got that collection to be removed and I will be applying for cash+ next year. Or bce
I killed IT this Month: I got Us Bank CASH+ 11500 + Line of credit 4K, Got BCE 6200, got FT Knox Visa plat 2500(they don't give more) for gas 5% And BOA Travel Rewards 5K...All the CC I need for next 2 years.
BUT, this got me tempted because I know I still got 740 Experian Fico and like 10 inq, but 400$ off my plane ticket would be great....That is why i need more opinions
@ukimafija wrote:I killed IT this Month: I got Us Bank CASH+ 11500 + Line of credit 4K, Got BCE 6200, got FT Knox Visa plat 2500(they don't give more) for gas 5% And BOA Travel Rewards 5K...All the CC I need for next 2 years.
BUT, this got me tempted because I know I still got 740 Experian Fico and like 10 inq, but 400$ off my plane ticket would be great....That is why i need more opinions
which did you apply for first, and also what's your income and aaoa looking like? just curious cause your signiture credit score seems pretty low for a Cash+ you sure it wasn't the 1% rewards card ? the site says approved, but it states people that are not approved for Cash+ gets the 1% card. many people got it thinking they were approved and got the 1% card.
@webhopper wrote:
Probably a HP but if you can see a present and future need for the card I say go for it.
If you wait til January you'll get backdating but you also might miss out on the bonus.
+1
I agree with others on waiting until january for backdating purposes.
