Hi,
On my spree list, I have narrowed down to Costco TE....this is necessary being that I almost exclusively get my gas from there. Also, I do most of my grocery shopping there.
For the grocery shopping inside the store I was going to use another card. the other 2 on my list is Delta and Fidelity.
I am stuck trying to decide on which I need most right now at the moment.
I want the Delta because I am planning trip to Hawaii next year.
I want the Fidelity because 2% CB would be great for everyday spend card and using at Costco....that would add up pretty quickly.
I figure 2 apps would cost me 2 inqs. Should I do a 3rd app or wait? Add one more AMEX inquiry? Does AMEX even allow or has anyone had any experience getting 3 AMEX revolvers at once? If this is not viable option...should I app for a charge and two revolvers or just go for the 3 revolvers?
Which ever one I dont get, I will app for in another 6 months.
@godscountry wrote:Hi,
On my spree list, I have narrowed down to Costco TE....this is necessary being that I almost exclusively get my gas from there. Also, I do most of my grocery shopping there.
For the grocery shopping inside the store I was going to use another card. the other 2 on my list is Delta and Fidelity.
I am stuck trying to decide on which I need most right now at the moment.
I want the Delta because I am planning trip to Hawaii next year.
I want the Fidelity because 2% CB would be great for everyday spend card and using at Costco....that would add up pretty quickly.
I figure 2 apps would cost me 2 inqs. Should I do a 3rd app or wait? Add one more AMEX inquiry? Does AMEX even allow or has anyone had any experience getting 3 AMEX revolvers at once? If this is not viable option...should I app for a charge and two revolvers or just go for the 3 revolvers?
Which ever one I dont get, I will app for in another 6 months.
If those are your current scores listed, I'd wait before I app'd for Amex.
Just my .02.
@madmann26 wrote:
@godscountry wrote:Hi,
On my spree list, I have narrowed down to Costco TE....this is necessary being that I almost exclusively get my gas from there. Also, I do most of my grocery shopping there.
For the grocery shopping inside the store I was going to use another card. the other 2 on my list is Delta and Fidelity.
I am stuck trying to decide on which I need most right now at the moment.
I want the Delta because I am planning trip to Hawaii next year.
I want the Fidelity because 2% CB would be great for everyday spend card and using at Costco....that would add up pretty quickly.
I figure 2 apps would cost me 2 inqs. Should I do a 3rd app or wait? Add one more AMEX inquiry? Does AMEX even allow or has anyone had any experience getting 3 AMEX revolvers at once? If this is not viable option...should I app for a charge and two revolvers or just go for the 3 revolvers?
Which ever one I dont get, I will app for in another 6 months.
If those are your current scores listed, I'd wait before I app'd for Amex.
Just my .02.
this is an upcoming spree, I am not apping yet. my scores are about to go up a lot in the next few weeks as I have 2 collections that will be coming off...which will be the only baddies and my util is about to be at around 1-2%. I am talking about when my scores hit high 6's, low 7's. I pretty much know the criteria.
@user5387 wrote:The Fidelity card is not underwritten by Amex.
right...thats why I asked. so this is a BoA product, correct? If so....then its conceivable that I do the 2 AMEX apps (for 1 HP) and another HP for the Fidelity AMEX?
@SunriseEarth wrote:
@godscountry wrote:
@user5387 wrote:The Fidelity card is not underwritten by Amex.
right...thats why I asked. so this is a BoA product, correct? If so....then its conceivable that I do the 2 AMEX apps (for 1 HP) and another HP for the Fidelity AMEX?
AFAIK, the 2-fer trick really only works consistently if you go for a revolver and a charge card on the same day. I'm relatively sure that two revolver approvals from AMEX would result in 2 HPs.
thats the key word....consistently. I figured for the longest I would app a charge and revolver but been searching around on this site and found posts where people were doing 2 revolvers for 1 HP. Is this something I can ask say after I app and get approved for Delta AMEX? (going for that one first to get foot in the door since people say its the easiest) if they say 2nd revolver would result in HP then I could go for charge? thats the dilema. Regardless I may just take the 2 HPs...maybe a 3rd...I really need those revolvers more than I need charge from what I am seeing.
Some have been successful with the two revolvers/1hp trick and some get the pending response. DD was instantly approved for BCE and immediately applied for Delta-she got the pending response and when she called she was told that there would be a 5 day waiting period due to multiple apps.
Ultimately, they were both approved but it cost 2hps.
As usual, YMMV
@09Lexie wrote:Some have been successful with the two revolvers/1hp trick and some get the pending response. DD was instantly approved for BCE and immediately applied for Delta-she got the pending response and when she called she was told that there would be a 5 day waiting period due to multiple apps.
Ultimately, they were both approved but it cost 2hps.
As usual, YMMV
ok, thanks. that helps me make up my mind then. being that I need the revolvers more right now...should I not decide to do the charge, I will just be prepared to take the 2 HPs for the 2 revolvers and wait to app for a 3rd one down the line possibly. I am going to be purchasing a new home...so by the time I go on the spree, I may not need anything else for a while so may go for all 3 revolvers. has anyone had success with getting 3 at once?
