@Anonymous wrote:Thanks for the advice! The Chase decline discouraged us from applying for new cards soon after; if we had to do it again we'd have started with easier cards which would have avoided that whole decline... lesson learned. In any case, we're OK with her building credit slowly, as we don't finance cars and I have a low fixed-rate mortgage on a house we want to stay in, so I doubt we'll be using her new credit for serious purchases for at least another few years.
How much CL does AMEX tend to max out as a percentage of income? I'm afraid asking for $18K for her might trigger the dreaded FR. Might go for a smaller CLI request once 6-months-from-now rolls around-- hopefully she'll have additional new cards in hand by that time. Sallie is one we will look at, but I know she wants to snag signup bonuses and airline miles, as do I. She already thinks I'm crazy for getting her to sign up for $10,000 in credit cards that she'll never come close to utilizing, so it will take some convincing to get her to take on even more :-)
Or, just stop asking.
There is a very good list of cards already in the wallet. Congratulations on the credit build!
From here, the additional cards aren't going to add anything to the credit score, cash-back and miles earnings on spend is marginally zero difference, yet more cards add a lot to the monthly financial management requirements which many people are not comfortable with. Each person is different and must make their own decisions about which cards, or any cards, they want to take responsibility for. My suggestion is, your fiance has reached the point of not wanting any more.
