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Should I app for a card I dont want? I'm afraid my hot streak will end.

Regular Contributor

Should I app for a card I dont want? I'm afraid my hot streak will end.

I've recently been approved for some great prime cards.

 

I have stopped though because I want to garden and let my accounts age.

 

Should I apply for more prime cards now while my credit is good?

 

I know this sounds a little crazy. Maybe after years of hearing "denied" I dont feel like I deserve the "approved" responses I've been getting.

 

I've just recently stepped out of subprime territory and part of me almost feels like it might be a fluke and I should apply for all the subprime cards now before the powers that be (whoever that is) finds out.

Message 1 of 11
10 REPLIES
Contributor

Re: Should I app for a card I dont want? I'm afraid my hot streak will end.


charyot77 wrote:

I've recently been approved for some great prime cards.

 

I have stopped though because I want to garden and let my accounts age.

 

Should I apply for more prime cards now while my credit is good?

 

I know this sounds a little crazy. Maybe after years of hearing "denied" I dont feel like I deserve the "approved" responses I've been getting.

 

I've just recently stepped out of subprime territory and part of me almost feels like it might be a fluke and I should apply for all the subprime cards now before the powers that be (whoever that is) finds out.


Is there any reason you need another card? 

If you just got some good cards, sounds like the best thing for you would be to wait.

However I know what the urge feels like lol.

My ultimate credit wish,
a JP Morgan Palladium card
Message 2 of 11
Valued Contributor

Re: Should I app for a card I dont want? I'm afraid my hot streak will end.

what cards did you get? 

 

what are your scores like? 

 

the only thing that i apped for as you say " while my credit is good " was the amex zync for backdating purposes and to get in with amex. 

now im in the garden till jan of 14

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 3 of 11
Regular Contributor

Re: Should I app for a card I dont want? I'm afraid my hot streak will end.

I apped for and got:

 

Citi Divident - $3K

AMEX Zync - NPSL
AMEX Blue - $3K

US Bank Platinum  Visa - $4k

 

I wonder if I should go for the Chase.

 

The only thing is that I dont want to anger Barclays or Amex with too many inquiries AND I might want to try to take advantage of an introductory offer later.  I just dont know.  Chase is the last piece that I'm missing.

 

EX FICO was 699 according to Citi (didnt get best terms - 15.99 APR) and FAKOS have been in range from 690 to 705.

Message 4 of 11
Valued Contributor

Re: Should I app for a card I don't want? I'm afraid my hot streak will end.

I'd hold off on Chase. What's the point of opening another account? Do you need it? I just wouldn't risk another HP. You might get denied due to already having the other 4 new accounts. Chase is funny.

As of 2017, rebuilding...
Message 5 of 11
Established Contributor

Re: Should I app for a card I dont want? I'm afraid my hot streak will end.

No don't apply for Chase yet. You've got 2 awsome cards in Citi and Amex BCE.  Both are cli friendly, use your BCE as much as you can so you can take advantage of that 61 day cli and hopefully youll get to 9k.  Citi like to give cli's as well.  Wait on Chase if you app now you most likely will get a 1k limit if you do get in based on little history with new cards.  Wait a while then go to Chase to improve you opening CL with them.  If I were you I would garden you got some awesome card, G.L.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 6 of 11
Frequent Contributor

Re: Should I app for a card I dont want? I'm afraid my hot streak will end.

I agree with all of the above, if you are gardening and don't need more credit, why take the HP and hit on your AAoA? It looks like you have a great portfolio of cards just getting out of sub-prime territory, I would just resist the urge and keep gardening! Your score will go up as long as you're repsonsible and then when you need more credit, you will have the pick of whatever card you want!

Message 7 of 11
Valued Contributor

Re: Should I app for a card I dont want? I'm afraid my hot streak will end.

+1 on the waiting. 

 

with those cards and good history you should be golden for any cards you want. especially once the inq's age off your reports. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 8 of 11
Valued Contributor

Re: Should I app for a card I dont want? I'm afraid my hot streak will end.

To original post: you're good enough you're smart enough and dog gone it lenders like ya!

I was at same sport with you last week. I took a chase recon to stop me. +1 to waiting


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 9 of 11
Frequent Contributor

Re: Should I app for a card I dont want? I'm afraid my hot streak will end.

SURE and while your on a good streak get me one to. JK!!!!!!!!!

Message 10 of 11