Established Contributor
Posts: 985
Registered: ‎09-10-2012

How soon do you use your new cc?

When I get a new card in, I wait a few weeks before I use it so I don't look But today I just got in my freedom card and am going to use it asap to earn the 100.00 cash back.

I'm just wondering who else strategically plans when to use their card the first time :smileyhappy:
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: How soon do you use your new cc?

It depends with me. Some get used asap and others within the first 30 days.

Established Contributor
Posts: 567
Registered: ‎09-10-2012

Re: How soon do you use your new cc?

[ Edited ]

Well, why wait? Banks give you cards for one purpose ... using them, so they can earn some money out of the usage.


I use mine right away. Nevertheless maxing them out in the first few days shouldn´t be the optimal usage of course :smileyvery-happy: May be take it easy until the first statement has cut and they have received the first payment from me.

Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012

Re: How soon do you use your new cc?

Yesterday I applied for the Chase Disney visa, got approved, picked it up and used it for dinner! :smileyvery-happy:
But I usually use a new card within one week of activation for one or two transactions.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: How soon do you use your new cc?

I use it within the first week... I used chase card before I got it in the mail.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Established Contributor
Posts: 2,112
Registered: ‎09-25-2011

Re: How soon do you use your new cc?

before I can even peel the activation sticker off LOL

seriously sad thing is amex visa mastercard (haven't tried discover) but they all work before calling in to "activate" the card fun right? =)


i'm debating on never "activating" the next card I get so if I get behind on payments I can argue the card was never activated lol jk

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 1,567
Registered: ‎09-15-2012

Re: How soon do you use your new cc?

I always use the card immediately.  I wait to apply, then I wait for it in the mail, so by the time it gets to me I can't wait any longer to get those rewards.

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012

Re: How soon do you use your new cc?

For me it really varies. In some cases I'll use it within 1-2 days of receiving it, and in other cases it'll be 2-3 months before I start using the card.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
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Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011

Re: How soon do you use your new cc?

for me its usually sometime in the first week

Established Contributor
Posts: 560
Registered: ‎09-29-2012

Re: How soon do you use your new cc?

I'd use it whenever I need to and not a moment sooner/later.  No planning or scheming with me.  CC are meant to be used (when needed).

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