So I slowed down my card apps pretty drastically although I have added some business cards. my personal app approval dates are:
3-24-16 chase marriott
8-30-15 amex plat
8-29-15 citi premier
6-8-15 citi prestige
1-7-15 chase hyatt
1-3-15 barclay arrival+
1-3-15 citi
So if I just look at my personal apps it seems to me that I would be ok with 5/24 for a CSR app after 1-7-17, because I would drop down to 4/24 at that point. Would this be correct? Now to throw a kink into it all. I opened an Ink plus business card around Feb of 2016. Is that business card going to push me back over the 5/24? All other apps I have had are non-chase business cards that do not report to credit reports. On a positive note I checked my credit score today and met my goal of breaking 800 as my fico 8 is showing as 808.
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@Anonymous wrote:
@red259 wrote:So I slowed down my card apps pretty drastically although I have added some business cards. my personal app approval dates are:
3-24-16 chase marriott
8-30-15 amex plat
8-29-15 citi premier
6-8-15 citi prestige
1-7-15 chase hyatt
1-3-15 barclay arrival+
1-3-15 citi
So if I just look at my personal apps it seems to me that I would be ok with 5/24 for a CSR app after 1-7-17, because I would drop down to 4/24 at that point. Would this be correct? Now to throw a kink into it all. I opened an Ink plus business card around Feb of 2016. Is that business card going to push me back over the 5/24? All other apps I have had are non-chase business cards that do not report to credit reports. On a positive note I checked my credit score today and met my goal of breaking 800 as my fico 8 is showing as 808.
Chase can see their own business card internally, even though it doesn't show on your personal credit reports, so yes that will put you over for them.
I feel your frustration somewhat as I will need to wait for July 2018 with no apps to fall under 5/24 again. Just crossing my fingers for an in-branch pre-approval to show up sooner than later as I really would like to switch to the CSR, and downgrade my CSP to a F5.
Hmm its only new accounts right? Like when I PC an exisiting card with another lender that won't be counted as a new account? So if my business card is screwing me up then it looks like I won't be able to app for it until 6-8-15. If that is the situation I may just say screw it and go for the chase ritz card (which I understand is not subjected to 5/24) and one other credit card (maybe I will grab the discover it) then stay in the garden until September when my two august accounts drop off. Then I will be back at 4/24, but I will have picked up two personal cards in the meantime.
@Anonymous wrote:
Do you need the Ritz card or are you apping just for the sake of apping?
Not sure I understand the question. What difference does it make? I know which cards I wish to have and have been doing this for years.