Is apping for another BBR pushing the envelope, with 16/24 currently?

[galahad15]

So as I mentioned in another thread, I was approved today for the Unify FCU Variable-Rate card, and also was able to upgrade to the lowest-available go-to APR on the Unify Fixed-Rate card.  IIRC, this now puts me at 16/24.  My question is, if I were to hypothetically app for either 1-2 BBRs today -- i.e., gaining only new 2 inqs.; one for the new Unify card and one for the BBR(s)  -- would that be pushing the envelope, with my existing cc issuers to the point where they might want to take AA?  If I got 1 new BBR, I would then be at 17/24, and if approved for 2, that would then place me at 18/24, as far as I can best determine.  Best to play it safe, not app for a new BBR, and avoid any potential AA?  Or be bold, and app for a new BBR or 2 in the present? Or with 800-range FICOs  across all 3 CRAs, will the cc lenders not care so much about the total number of new accounts opened in the past 2 years, etc.?  Any thoughts/advice please?

[galahad15]

bump please? (If I am going to potentially app for a new BBR, I was ideally hoping to do so before 11:59 PM today, if anyone hopefully has any advice or feedback please?)

[Benzman]

I opened many more than you in the past 2 years and no AA. Closed all store cards and closed or combined a few of the MC/VISAs in the past few months, but all is ok.

[AverageJoesCredit]

Hi Galahad!. Im by no means an expert at this credit thing , Lol, as i seem to 2 steps forward ,three back lately , but in my humble opinion, if you are already at 16/24, and have over 800 scores i think its safe to say you you have already pushed the envelope so 1 or 2 more apps shouldnt be the ones to break the egg, though as usual YMMV. Im sure if all the big boys and girls with hundreds of thousands in credit can get away with mylti cards apps snd inquiires and survive to live to tell, your solud stats should back you up. And heck, if snything does go south on ya, just book a cruise with your new low apr card and jet set to the garden lol. If you really want them go gor it now and complete your 2 year spree with a bang Congrats on your new spprovals by the way

[galahad15]

Many thanks for the helpful feedback and also for the kind compliments Joe; I deeply appreciate all of your valuable input!  

[csryang]

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@galahad15 wrote:

So as I mentioned in another thread, I was approved today for the Unify FCU Variable-Rate card, and also was able to upgrade to the lowest-available go-to APR on the Unify Fixed-Rate card.  IIRC, this now puts me at 16/24.  My question is, if I were to hypothetically app for either 1-2 BBRs today -- i.e., gaining only new 2 inqs.; one for the new Unify card and one for the BBR(s)  -- would that be pushing the envelope, with my existing cc issuers to the point where they might want to take AA?  If I got 1 new BBR, I would then be at 17/24, and if approved for 2, that would then place me at 18/24, as far as I can best determine.  Best to play it safe, not app for a new BBR, and avoid any potential AA?  Or be bold, and app for a new BBR or 2 in the present? Or with 800-range FICOs  across all 3 CRAs, will the cc lenders not care so much about the total number of new accounts opened in the past 2 years, etc.?  Any thoughts/advice please?

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What's your overall exposure with BoA? When was your last application with them?

AA is so overated! The most they do is not to approve further cards. As long as you pay bill on time and not closing cards immediately after you earned bonus, I think you will be fine. 

My thought is that if you really want the card, just apply for it. I will not apply for BBR because it only gives me sub 100 cash per card per year? I could app and get higher bonuses from their other cards like Merill+, Alaska, or Amtrak. I typically will not app for cards unless their value is at or above $500 per card from the sign up or spend bonus.

Try applying for one BBR if you want and if approved, apply for another one. There's some recent data points that they prevent same card type application within the same day - ending up rejecting the second one. http://www.orensmoneysaver.com/2014/12/bank-of-america-no-longer-allowing.html

You could always try though!

The "ideal" situation is to apply for BoA cards during the business day/hour so that you can call credit analyst right away if not approved. Otherwise, when you call for reconsideration on a later date, another pull might be done. 

[newhis]

There are people with more than 16/24 in this forum with scores 100 less than yours.

I only have 9 and I don't think I want another, but that's just me. I believe, with your scores, AA actions will happen only if you do something else with your credit besides getting new cards, like high util in general, max a card (even with BT), or other out-of-the-ordinary activity. Good luck whatever you decide.

[galahad15]

Very good data points and info to know, thank you Berzman!

[galahad15]

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@csryang wrote:

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@galahad15 wrote:

So as I mentioned in another thread, I was approved today for the Unify FCU Variable-Rate card, and also was able to upgrade to the lowest-available go-to APR on the Unify Fixed-Rate card.  IIRC, this now puts me at 16/24.  My question is, if I were to hypothetically app for either 1-2 BBRs today -- i.e., gaining only new 2 inqs.; one for the new Unify card and one for the BBR(s)  -- would that be pushing the envelope, with my existing cc issuers to the point where they might want to take AA?  If I got 1 new BBR, I would then be at 17/24, and if approved for 2, that would then place me at 18/24, as far as I can best determine.  Best to play it safe, not app for a new BBR, and avoid any potential AA?  Or be bold, and app for a new BBR or 2 in the present? Or with 800-range FICOs  across all 3 CRAs, will the cc lenders not care so much about the total number of new accounts opened in the past 2 years, etc.?  Any thoughts/advice please?

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What's your overall exposure with BoA? When was your last application with them?

AA is so overated! The most they do is not to approve further cards. As long as you pay bill on time and not closing cards immediately after you earned bonus, I think you will be fine. 

My thought is that if you really want the card, just apply for it. I will not apply for BBR because it only gives me sub 100 cash per card per year? I could app and get higher bonuses from their other cards like Merill+, Alaska, or Amtrak. I typically will not app for cards unless their value is at or above $500 per card from the sign up or spend bonus.

Try applying for one BBR if you want and if approved, apply for another one. There's some recent data points that they prevent same card type application within the same day - ending up rejecting the second one. http://www.orensmoneysaver.com/2014/12/bank-of-america-no-longer-allowing.html

You could always try though!

The "ideal" situation is to apply for BoA cards during the business day/hour so that you can call credit analyst right away if not approved. Otherwise, when you call for reconsideration on a later date, another pull might be done. 

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Thanks!  To answer your questions, I have 3 BoA cards, very little util on them compared to their combined CLs, about maybe ~$30k total CL or something like that I believe?  My last app wit them was about a year ago IIRC?

[Anonymous]

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@galahad15 wrote:

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@csryang wrote:

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@galahad15 wrote:

So as I mentioned in another thread, I was approved today for the Unify FCU Variable-Rate card, and also was able to upgrade to the lowest-available go-to APR on the Unify Fixed-Rate card.  IIRC, this now puts me at 16/24.  My question is, if I were to hypothetically app for either 1-2 BBRs today -- i.e., gaining only new 2 inqs.; one for the new Unify card and one for the BBR(s)  -- would that be pushing the envelope, with my existing cc issuers to the point where they might want to take AA?  If I got 1 new BBR, I would then be at 17/24, and if approved for 2, that would then place me at 18/24, as far as I can best determine.  Best to play it safe, not app for a new BBR, and avoid any potential AA?  Or be bold, and app for a new BBR or 2 in the present? Or with 800-range FICOs  across all 3 CRAs, will the cc lenders not care so much about the total number of new accounts opened in the past 2 years, etc.?  Any thoughts/advice please?

---

What's your overall exposure with BoA? When was your last application with them?

AA is so overated! The most they do is not to approve further cards. As long as you pay bill on time and not closing cards immediately after you earned bonus, I think you will be fine. 

My thought is that if you really want the card, just apply for it. I will not apply for BBR because it only gives me sub 100 cash per card per year? I could app and get higher bonuses from their other cards like Merill+, Alaska, or Amtrak. I typically will not app for cards unless their value is at or above $500 per card from the sign up or spend bonus.

Try applying for one BBR if you want and if approved, apply for another one. There's some recent data points that they prevent same card type application within the same day - ending up rejecting the second one. http://www.orensmoneysaver.com/2014/12/bank-of-america-no-longer-allowing.html

You could always try though!

The "ideal" situation is to apply for BoA cards during the business day/hour so that you can call credit analyst right away if not approved. Otherwise, when you call for reconsideration on a later date, another pull might be done. 

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Thanks!  To answer your questions, I have 3 BoA cards, very little util on them compared to their combined CLs, about maybe ~$30k total CL or something like that I believe?  My last app wit them was about a year ago IIRC?

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Ummm first of all congrats on all your scores surpassing 800!!! When did that happen?!  That is awesome.  Go for it!  Do you have any cards on the chopping block?  How about that GM card???