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How long to wait after app spree before more apps?

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jordanmedical
Established Contributor

Re: How long to wait after app spree before more apps?

NFCU is not inquiry sensitive and you have a good chance at a high limit with that score.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 21 of 35
tinuviel
Moderator Emeritus

Re: How long to wait after app spree before more apps?


@jordanmedical wrote:

NFCU is not inquiry sensitive and you have a good chance at a high limit with that score.


 

If that's the case, then the OP might as well do it now. After 20 inqs, one more won't make that much difference to the score, and then they'll all age of together after two years. But after submitting the app -- garden!!!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 22 of 35
rootpooty
Valued Contributor

Re: How long to wait after app spree before more apps?

do you know what your current eq fico looks like? thats more than likely what they will pull for a cc.

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 23 of 35
ficojoe
Frequent Contributor

Re: How long to wait after app spree before more apps?


@jordanmedical wrote:

NFCU is not inquiry sensitive and you have a good chance at a high limit with that score.


Thank you very much, I will go for a NFCU card... then garden for a few months until I am ready to ask them all for CLIs (or ready to try again for a NFCU if denied) Smiley Happy

Message 24 of 35
jordanmedical
Established Contributor

Re: How long to wait after app spree before more apps?

Let us know the result, btw they can be reached by phone 24 hours so you can apply right now Smiley Happy And don't worry if you go into review, a lot of their apps do.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 25 of 35
ficojoe
Frequent Contributor

Re: How long to wait after app spree before more apps?


@jordanmedical wrote:

Let us know the result, btw they can be reached by phone 24 hours so you can apply right now Smiley Happy And don't worry if you go into review, a lot of their apps do.


Wow, 24 hrs? I just might need to move my primary checking to them. 

 

Applied for CashRewards Visa. Approved. 15.5% interest. $7,500 limit. Card will arrive in 7-10 days. Tempted to close the Capitol One Secured MasterCard before I even get the card in the mail. I put $700 on deposit that would be nice to do something else with other than pay an annual fee to keep.

 

Huh, that was too easy. I should have applied for that first and I wouldn't have applied for anything else. lol. 

Message 26 of 35
ficojoe
Frequent Contributor

Re: How long to wait after app spree before more apps?


@ficojoe wrote:

@jordanmedical wrote:

Let us know the result, btw they can be reached by phone 24 hours so you can apply right now Smiley Happy And don't worry if you go into review, a lot of their apps do.


Wow, 24 hrs? I just might need to move my primary checking to them. 

 

Applied for CashRewards Visa. Approved. 15.5% interest. $7,500 limit. Card will arrive in 7-10 days. Tempted to close the Capitol One Secured MasterCard before I even get the card in the mail. I put $700 on deposit that would be nice to do something else with other than pay an annual fee to keep.

 

Huh, that was too easy. I should have applied for that first and I wouldn't have applied for anything else. lol. 


While I was at it, I asked for another $7500 line of credit. They told me wait 24 hours and call back to see if I was approved after loan officer review.

Message 27 of 35
jordanmedical
Established Contributor

Re: How long to wait after app spree before more apps?

Congrats! Told ya you were a shoe in.
-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 28 of 35
marty56
Super Contributor

Re: How long to wait after app spree before more apps?

You don't need to apply for any new credit/CLI's anytime soon.  Wait for the dust to settle and the INQs to drop off and hope that none of your current or new approved CCs decide to AA you because of the new INQs.  GE likes to peak at your CR often so I would be worried about your Walmart card.

1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 29 of 35
LS2982
Mega Contributor

Re: How long to wait after app spree before more apps?

20 INQ's is pretty serious. You need to wait at least a year or more to apply for any new credit.



EQ FICO 548 3/3/16
Message 30 of 35
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