I'm gearing up for an app cycle and am wondering how I am looking in terms of overall inquiries. I don't have the break down in front of me of which inqs are on which reports, but after January 2 I should have a couple of inqs go over a year old. I have zero inquiries in the last six months and three within the past year. I would have several more which are already over a year old but still showing on reports. Obviously these inqs are spread out across different reports, but I'm just trying to get a feel of how many cards I can go for in my app cycle without rocking the boat too much. I have three I definetly want but wouldn't mind the ability of going for a fourth card and then going into the gardent for 91-180 days. My profile is a little thin with cards since I started rebuilding June 2013, but the student loans I have give me a decent AAoAs overall. Lenders I will be targetting would be Citi, Amex, Chase and maybe Barclays. I have ongoing relationships with the first three lenders.
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@Anonymous wrote:
Citi and Barclays first, then AMEX and Chase.
You would put Amex before Chase?
@Anonymous wrote:
@Anonymous, yes.
Ok. I was a bit worried about Chase because I am showing higher util on their cards than others, although i'm not carrying a balance. I just shifted a lot of spend to them to while I cleared up my amex accounts in order to prepare my credit report.
@Anonymous wrote:You're good for 3-4 cards I bet before you hit any friction. Auto approvals are nice.
Agreed... OP and I are in similar shoes. I went into my spree last week having gardened for a year...
4 approvals (Nordstrom, Discover, Amex, Sallie Mae)
2 CLIs (Best Buy, CapOne QS)
All instant approvals, no denials.
INQs kept to a minimum.
