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Planning next apps

Valued Member

Planning next apps

So here is my situation... I'm planning on refinancing my mortgage in the next 60 days. Once that is taken care of my next move was to apply for a few CCs. I have 3 cards in mind: PenFed Platinum Rewards, BCP, and CSP. So now, How long after the refi should I wait? Should I app for all 3 at the same time or at separate times? If not all at once then in what order?

 

Thanks for your input!

EX 761 (5/14); EQ 784 (4/14); TU 778 (5/14)

NFCU cashRewards 23k | Marriott Premier MC 18k | US Bank Club Carlson 15k | Amex BCP 14.3k | Citi AA Exec 13k | Barclays US Airways 10k | PSECU 7.5k | Amex SPG 7k | Amex Old Blue Cash 5k | Chase Sapphire 5k | Ink Plus 5k | PenFed Platinum Rewards 5k | PenFed Defender 5k | PenFed LOC 5k | Gap 4300 | Amex SPG Biz | Amazon Chase 500 |
7 REPLIES
Valued Contributor

Re: Planning next apps

Well, as far as I know you are free to app after closing. Typically the underwriting process is complete by then.

 

Also, I am a big fan of app sprees if they are well planned. I like having the cards and inquiries age off quickly, why drag the torture out over months when you can get it done all at once. 


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Highlighted
Regular Contributor

Re: Planning next apps

I say you go for the following 3 cards:

 

Fingerhut

Swiss Colony

The Matrix Card

 

These 3 cards - no can defend

 




Valued Contributor

Re: Planning next apps


Johnny_Favorite wrote:

I say you go for the following 3 cards:

 

Fingerhut

Swiss Colony

The Matrix Card

 

These 3 cards - no can defend

 


You should probably clarify that you are joking. 


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Valued Contributor

Re: Planning next apps

 Smiley LOL I say go in the order of sensitivity to inqs...which I estimate to be PenFed, BCP, then CSP.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Regular Contributor

Re: Planning next apps

Sorry hehe, I am joking about Fingerhut, Swiss Colony and the Matrix Card.




Valued Member

Re: Planning next apps

I understand that you are joking, I just don't understand the joke.

EX 761 (5/14); EQ 784 (4/14); TU 778 (5/14)

NFCU cashRewards 23k | Marriott Premier MC 18k | US Bank Club Carlson 15k | Amex BCP 14.3k | Citi AA Exec 13k | Barclays US Airways 10k | PSECU 7.5k | Amex SPG 7k | Amex Old Blue Cash 5k | Chase Sapphire 5k | Ink Plus 5k | PenFed Platinum Rewards 5k | PenFed Defender 5k | PenFed LOC 5k | Gap 4300 | Amex SPG Biz | Amazon Chase 500 |
Established Contributor

Re: Planning next apps

They're just crappy cards with horrid interest rates and annual fees
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...