Sallie Mae app question

[kroberts67]

I want a good rewards card assortments.  My main needs are gas, groceries and dining.  I also need Care Credit for later this year.  I would like to app for Care Credit, Freedom and Sallie Mae all tomorrow. 

AAoA 3 years

UT 10% overall (1 card reporting - that card being at 43%UT)

TU FICO was 723 a month ago, will pull again tomorrow

INQ:  TU 0, EQ 3, EX 5 (2 amex, 3 my cu)

No baddies

My concern is that my AMEX is from January.  Would that automatically screw me with Sallie Mae?  I checked pre-approvals (took with a grain of salt) and I show up for Barkley's Rewards MC but holding out for Sallie Mae.  My thinking is that if there's a good shot, I'll app but if a card only 3 mos old is common reason for denial, I'll leave that app out for another 6 mos.

Also concerned that if I get approved, would the Chase & CC be a reason for closure with Barkleys. 

Edit: Also wanted Discover for the FICO but their rewards categories are of no need to me now, I can't tell what they offer past June, and would rather wait for a sign up bonus.

[B335is]

You should be fine. If not instant approved a Barclays analyst shouldnt stress over 1 acct. However, they have reviewed my prior 24 months app history in one of my recon calls.

[longtime_lurker]

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@B335is wrote:
You should be fine. If not instant approved a Barclays analyst shouldnt stress over 1 acct. However, they have reviewed my prior 24 months app history in one of my recon calls.

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I second this - I had 3 accounts less than 6 mo. showing with two of those only 2 months old (edit: I was instantly approved for 6.3k). A new 7k limit has been reported since, and another 3k limit and a installment loan is going to hit my credit - and honestly I'm not worried about Barclay's AA.

...I think it's a small minority that this happens too - my guess is those people had high util % or baddies on account OR never/sparcely used the account.

My Sallie Mae is in my front row of my wallet because it gets used so much. and I PIF. I think they won't touch my CL

[kroberts67]

Oh that's really good news.  Thanks so much for the input! 

[Involver]

Yeah the hysteria with AA is pretty overblown IMO. Had 3 new accounts opened within 4 months of apping and was instant approved. Perfect card for moderate spend on the rewards categories.

[Justrebuilding]

I don't think the one new account will make a difference. I was approved with scores lower than yours last month and I opened my Freedom in December. Great 3 cards btw, I have all 3 and I love them. GL!