How many CC app requests do you get and from where?

[BluePoodle]

I have had my Cap1 going on a year now.  I have been getting additional requests from Cap1 for other cards.  I applied and was approved to the Discover It in Jan but I had never received a mailing to apply. I just tried and was approved.  I then PC to the Quicksilver this month and am waiting for my new card. 

But I am receiving several other offers. Mostly cards I have no interest in.  I was just wondering once you start getting better cards or higher CL's do you get solicitations a lot?  I just got an AmerEx Blue app offer.  Not going to apply as I wont be shopping for another CC for another year at least.  

Just curious about the offers and if you receive them is that a good indication you would qualify for them?

[WillTeasle]

As your credit improves, you will most likely see more offers.  I think I see a card offer nearly every other day.  Some of those offers have come from companies with which I don't currently have a relationship, and they SP my report more than some of my current lenders.

Unfortunately, I don't really know what they would offer in terms of CL or rate as most head to the shredder immediately.

[Creditaddict]

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@BluePoodle wrote:

I have had my Cap1 going on a year now.  I have been getting additional requests from Cap1 for other cards.  I applied and was approved to the Discover It in Jan but I had never received a mailing to apply. I just tried and was approved.  I then PC to the Quicksilver this month and am waiting for my new card. 

But I am receiving several other offers. Mostly cards I have no interest in.  I was just wondering once you start getting better cards or higher CL's do you get solicitations a lot?  I just got an AmerEx Blue app offer.  Not going to apply as I wont be shopping for another CC for another year at least.  

Just curious about the offers and if you receive them is that a good indication you would qualify for them?

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Id take the Blue offer... you will lock in your membership year with them forever as 2014!

[Uppingmyscore]

Happy to say I do not get any offers.... been opt out for years.  I only apply for credit cards I want and need.  

[BluePoodle]

@creditaddict
I would but I need to apply for a car loan (actually two) at the end of April or early May and I don't want to jeopardize my interest rate offer with a lower score. Or the fact that I am requesting too much credit in a short period of time.

I applied for the Discover (I think it was a SP) but the auto loans are a higher priority. 

Do you think it would hurt?

[BluePoodle]

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@Uppingmyscore wrote:

Happy to say I do not get any offers.... been opt out for years.  I only apply for credit cards I want and need.  

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Once I get my 3rd CC, I plan to do the same!

[Creditaddict]

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@BluePoodle wrote:

@Creditaddict
I would but I need to apply for a car loan (actually two) at the end of April or early May and I don't want to jeopardize my interest rate offer with a lower score. Or the fact that I am requesting too much credit in a short period of time.

I applied for the Discover (I think it was a SP) but the auto loans are a higher priority. 

Do you think it would hurt?

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The Discover was for sure a HP.

2 cars?

I would not think the Amex app would effect your auto loans but since it's basically this month you can do the autos first.

[BluePoodle]

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@Creditaddict wrote:

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@BluePoodle wrote:

@Creditaddict
I would but I need to apply for a car loan (actually two) at the end of April or early May and I don't want to jeopardize my interest rate offer with a lower score. Or the fact that I am requesting too much credit in a short period of time.

I applied for the Discover (I think it was a SP) but the auto loans are a higher priority. 

Do you think it would hurt?

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The Discover was for sure a HP.

2 cars?

I would not think the Amex app would effect your auto loans but since it's basically this month you can do the autos first.

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The other reason I thought I would wait is to achieive CLI with Discover and QS first.  I really want higher limits and I understand that new cards would probably match that. Right now I am only $2000 with Discover and $3750 with QS.  I understand it is pretty easy to get a CLI with discover and less so, with QS but I would think one year would allow me to get each of those up a bit before applying for a new card.  Does this sound correct to get a better CL with Amex or any other card I might apply for?  I really don't want an bunch of $2000 - $3000 CL cards.

[longtimelurker]

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@Creditaddict wrote:

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@BluePoodle wrote:

I have had my Cap1 going on a year now.  I have been getting additional requests from Cap1 for other cards.  I applied and was approved to the Discover It in Jan but I had never received a mailing to apply. I just tried and was approved.  I then PC to the Quicksilver this month and am waiting for my new card. 

But I am receiving several other offers. Mostly cards I have no interest in.  I was just wondering once you start getting better cards or higher CL's do you get solicitations a lot?  I just got an AmerEx Blue app offer.  Not going to apply as I wont be shopping for another CC for another year at least.  

Just curious about the offers and if you receive them is that a good indication you would qualify for them?

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Id take the Blue offer... you will lock in your membership year with them forever as 2014!

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But if OP can get the Blue, he/she can probably get a more useful card, such as the Everday.  Better than the Blue in every way.

[BluePoodle]

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@longtimelurker wrote:

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@Creditaddict wrote:

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@BluePoodle wrote:

I have had my Cap1 going on a year now.  I have been getting additional requests from Cap1 for other cards.  I applied and was approved to the Discover It in Jan but I had never received a mailing to apply. I just tried and was approved.  I then PC to the Quicksilver this month and am waiting for my new card. 

But I am receiving several other offers. Mostly cards I have no interest in.  I was just wondering once you start getting better cards or higher CL's do you get solicitations a lot?  I just got an AmerEx Blue app offer.  Not going to apply as I wont be shopping for another CC for another year at least.  

Just curious about the offers and if you receive them is that a good indication you would qualify for them?

---

Id take the Blue offer... you will lock in your membership year with them forever as 2014!

---

But if OP can get the Blue, he/she can probably get a more useful card, such as the Everday.  Better than the Blue in every way.

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It was the "Blue Cash Everyday Card" that I received the letter for. 0%  APR for 15 months, 12.99 afterwords, No AF. It says "Flexibilty to cary a balance" which I have no idea what that means as a feature??? And $150 in statement credit after $500 in purchases for the first 3 months.