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Hello All,
I just got approved for the discover IT card a few days ago with a 4000 CL. I want to apply for the Amex delta skymiles card in Jan to take advantage of the backdating. My question is should I wait till the Discover reports to my credit reports before I apply for the Amex card? My credit history is below all credit scores are about 715 accross all 3 agencies.
1. Oct 2012 I became an AU on my parents AMEX Green.
2. Started working in January 2013 and bought a car with a cosigner so it shows as a Joint account in my CR
3. In March 2013 I was approved for my own Amex Green card and also opened 2 secured credit cards with Wells Fargo and BOA for $500 each
4. June 2013 I leased a car through toyota financing
4. I have a total of 10 inquires on my report from the car purchases
5. Salary is 70k
6. AAOA is 0.8
7 Utilization is 5%
If it were me, and Amex in particular, I'd apply before the account reports if I could. That is only because of their stellar CLI policy.
If it were Chase or some other lenders, I'd do the opposite and wait for the Discover to hit my reports, though it might get discounted anyway as too new (some lenders want tradeline seasoning).