@Royal_Flush wrote:
@SnackTrader wrote:
While I know I shouldn't say this, I am going to anyway.
This is getting pretty annoying. You have gotten the same advice from close to a dozen veteran posters in your threads, and keep bringing up the same questions. I understand that you are afraid, but asking more of the same questions isn't going to help you. Your credit profile is fine. Your inquiries won't hurt anything. Feel free to apply whenever.
If these threads keep going until August when you claim you are going to apply I am going to scream.
Ok - I feel better now. It's hot in my office and I think I need to take a walk.Why shouldn't you say how you feel? It's a forum on the internet., you can say whatever you want, especially when you're in an office. While I understand where you're coming from, my only other thread was related to getting one Amex BC, BCE, or BCP, not 4-5 cards at the same time. Although I thought about assuming that it'd be the same result for applying for one card vs 4-5 at the same time, I decided not to assume that after reading through other dozens of threads with veteran posters. I decide to create another thread regarding my plans and/or complete wants and needs, and only got 4 "veterans" to chime in. My goal was 5, you only had to wait for 1 more to speak until I was going to stop being annoying. Coincidentally, you're the 5th.
Alright, Royal. I'm home, and much less tightly wound. Let's try this again.
I still stand by your report being fine for whatever you decide to do. Our credit profiles are actually rather similar, but my income is a little larger. Hopefully that doesn't affect you too much.
I personally like sprees because I think it adds an advantage of not raising the "new account" flags that may or may not appear once a new tradelines reports to the bureaus. Also, I think inquiries when in the single digits, and when a credit report isn't otherwise "scary" aren't as dangerous as others on this forum believe. I am a full supporter of the Garden, because frivolous inquiries are harmful, but a well-planned app spree with 4 or 5 new applications shouldn't scare the 5th lender anymore than the first lender. We typically understand which bureaus creditors pull, so you should be able to effectively disperse the inquiries among bureaus.
My last point, is make sure you aren't applying for too many cards that you won't be able to hit the spending bonuses. Generally, you have 3 months for the spending. But I only spend about $1,500 per month on credit cards, so that only allows me to apply for 3 or 4 cards at a time and still spend enough to hit the bonuses.
I say pull the trigger whenever you are ready. And if you have other questions about which card to apply for first or which bureaus a lender pulls, you are more than welcome to post that here. This is an internet forum open to all (Except trolls). But as for questions about the legitimacy of your credit profile, I would say hold off since your profile is Very good. You have managed it well.
Do you know if the CU CLI will be a hard pull?
I guess my suggestion is that one last, because it matters the least overall. Unless you want other lenders to see a 10k balance, in which case you should do that first - but then wait at least a month to apply so that the CLI is reflected on your credit reports.
Have you done research into which reports Discover and Chase pull in your state? I doubt that you would have all 4 inquiries on the same bureau, but then again my app spree ended with ALL lenders pulling EX for me...
