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| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
@Jutz wrote:
Hey guys, wondering what your personal opinions might be. Closed on my mortgage a couple weeks ago and it hasn't reported yet, I assume it won't until after I make my first payment (Aug 1). I want to grab an everyday rewards card that I currently lack before hitting the garden for at least a year. If initial CL is my main concern, should I wait until after the mortgage reports, or prior?
While I'm asking for advice, I'm leaning towards Freedom because of the $100 sign on bonus, but is there a reason I should lean towards IT or BCE if my main motive is a high CL? I know I will get 2010 backdating with BCE. Is Chase always hard pull for CLI? What about AMEX/Discover?
Your best time is now before the ding from the new mortgage hits your CR and congrats on the new home as well...GO FOR IT AND GOOD LUCK
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
@myjourney wrote:
@Jutz wrote:
Hey guys, wondering what your personal opinions might be. Closed on my mortgage a couple weeks ago and it hasn't reported yet, I assume it won't until after I make my first payment (Aug 1). I want to grab an everyday rewards card that I currently lack before hitting the garden for at least a year. If initial CL is my main concern, should I wait until after the mortgage reports, or prior?
While I'm asking for advice, I'm leaning towards Freedom because of the $100 sign on bonus, but is there a reason I should lean towards IT or BCE if my main motive is a high CL? I know I will get 2010 backdating with BCE. Is Chase always hard pull for CLI? What about AMEX/Discover?Your best time is now before the ding from the new mortgage hits your CR and congrats on the new home as well...GO FOR IT AND GOOD LUCK
+1 !
And depending on the mortgage lender, it could be several months before the mortgage reports to the credit bureaus. Factors that can affect that are, if you went through a broker and the mortgage is not with a major player (Wells Fargo, BofA, etc), then the mortgage could be sold to one of the big players, or to another smaller player. OR if it's with a major player like BofA, it still could take a few months to report. When I had a BofA mortgage, it took 3 months before it hit all 3 CB, with EX being the last to report it. And with my Wells Fargo refi a few years back, it still took 2 months before it reported to all 3.
So....YES! Now is the time to strike while the iron is hot ! ! ! Congrats on your mortgage success !
+1 for applying now.