What date specifically can I apply for CLI or do an app-o-rama?

[csryang]

Let's say my last application was on 6/15. What date can I do CLI or app-o-rama?

I know Citi declines apps for certain inquiries in the past "6 months" and Barclays does not like new accounts in the past "6 months." Also, accounts in the past "6 months" are considered "new" by certain credit card company.  

So, how do I count 6 months from 6/15? Should I apply on 12/15, 12/16, or is it Jan 1st?

Anyone can provide some anecdotal information about this?

[1GaDawg85]

I wouldn't personally app till after New Years but waiting doesn't hurt 

[Anonymous]

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@1GaDawg85 wrote:

I wouldn't personally app till after New Years but waiting doesn't hurt 

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+1 wait until 2015 if you want to be sure you're past that 6 month mark. I'm really not sure that they still wouldn't be considered "new" accounts to a lot of banks. The wording would probably just change to "too many new accounts in the last 12 months" or something like that.

[csryang]

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@Anonymous wrote:

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@1GaDawg85 wrote:

I wouldn't personally app till after New Years but waiting doesn't hurt 

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+1 wait until 2015 if you want to be sure you're past that 6 month mark. I'm really not sure that they still wouldn't be considered "new" accounts to a lot of banks. The wording would probably just change to "too many new accounts in the last 12 months" or something like that.

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I understand that waiting definitely wont hurt but I am just wondering if anyone knows exactly what's the "6 month mark."

[1GaDawg85]

6 months from account opening

[Anonymous]

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@csryang wrote:

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@Anonymous wrote:

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@1GaDawg85 wrote:

I wouldn't personally app till after New Years but waiting doesn't hurt 

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+1 wait until 2015 if you want to be sure you're past that 6 month mark. I'm really not sure that they still wouldn't be considered "new" accounts to a lot of banks. The wording would probably just change to "too many new accounts in the last 12 months" or something like that.

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I understand that waiting definitely wont hurt but I am just wondering if anyone knows exactly what's the "6 month mark."

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I'd say 7 reporting months from whatever date it first reported. That's what they see when they pull your report and determine how long you've had certain accounts. If you last apped in June and it reported OK for June then Whatever date it reports in December would be the 7th green ok box and you should be good. 

[csryang]

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@Anonymous wrote:

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@csryang wrote:

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@Anonymous wrote:

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@1GaDawg85 wrote:

I wouldn't personally app till after New Years but waiting doesn't hurt 

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+1 wait until 2015 if you want to be sure you're past that 6 month mark. I'm really not sure that they still wouldn't be considered "new" accounts to a lot of banks. The wording would probably just change to "too many new accounts in the last 12 months" or something like that.

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I understand that waiting definitely wont hurt but I am just wondering if anyone knows exactly what's the "6 month mark."

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I'd say 7 reporting months from whatever date it first reported. That's what they see when they pull your report and determine how long you've had certain accounts. If you last apped in June and it reported OK for June then Whatever date it reports in December would be the 7th green ok box and you should be good. 

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I applyied for all three on 6/15.

Barclays and Chase's open date is on 6/15; US bank's open date is on 6/1.

EX: Barclays first OK in June;  US bank and Chase first OK in July.

EQ: all of them first OK in July.

TU: Barclays and US Bank's first OK in June; Chase's first OK in July.

So... what should I do...? Hmm... it's getting more complex...

[Anonymous]

And of course if you're talking about a cli and they're looking at a 2 month old report then I guess it doesn't matter anyway. 

[NRB525]

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@csryang wrote:

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@Anonymous wrote:

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@csryang wrote:

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@Anonymous wrote:

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@1GaDawg85 wrote:

I wouldn't personally app till after New Years but waiting doesn't hurt 

---

+1 wait until 2015 if you want to be sure you're past that 6 month mark. I'm really not sure that they still wouldn't be considered "new" accounts to a lot of banks. The wording would probably just change to "too many new accounts in the last 12 months" or something like that.

---

I understand that waiting definitely wont hurt but I am just wondering if anyone knows exactly what's the "6 month mark."

---

I'd say 7 reporting months from whatever date it first reported. That's what they see when they pull your report and determine how long you've had certain accounts. If you last apped in June and it reported OK for June then Whatever date it reports in December would be the 7th green ok box and you should be good. 

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I applyied for all three on 6/15.

Barclays and Chase's open date is on 6/15; US bank's open date is on 6/1.

EX: Barclays first OK in June;  US bank and Chase first OK in July.

EQ: all of them first OK in July.

TU: Barclays and US Bank's first OK in June; Chase's first OK in July.

So... what should I do...? Hmm... it's getting more complex...

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Maybe the question is, what are you intending to app for? You have two successful sprees, December 2013 three cards, June 2014 three cards, so your AAoA is under 1 year. The limits on those cards are nicely advanced, so I'd ask what you are looking to gain in either CLI or other cards?

With your scores you might be fine, but the clock running only helps you now. Rushing it isn't going to get you to your destination much faster.

What is your utilization on all those fine cards?