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Will applying for another card today jeopardize my two approvals

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NYSuperdoodle
New Contributor

Re: Will applying for another card today jeopardize my two approvals

I'd sure love to have an Amex. Maybe I'll shoot for the stars and give them a try. I'm on hold for them now. Can't believe they're open this time of night

 

April 1 2014 EQ-555 TU-545 EX- 545
April 29 2014 EQ -714 TU-579 EX- 698
May 1 2014 EQ 721, TU 707, EX 698
All tracked with USAA credit monitoring via Expedia
FICO Score June 10 2014 EQ 719
Message 11 of 25
Creditaddict
Legendary Contributor

Re: Will applying for another card today jeopardize my two approvals


@NYSuperdoodle wrote:

I'd sure love to have an Amex. Maybe I'll shoot for the stars and give them a try. I'm on hold for them now. Can't believe they're open this time of night

 


your calling to apply for amex? 

Message 12 of 25
NYSuperdoodle
New Contributor

Re: Will applying for another card today jeopardize my two approvals

Yep. But they may keep me on hold too long.. it may have to wait until tomorrow. I'm also worried about another app causing USAA or Discover to yank my approvals they gave me. Is that possible?

April 1 2014 EQ-555 TU-545 EX- 545
April 29 2014 EQ -714 TU-579 EX- 698
May 1 2014 EQ 721, TU 707, EX 698
All tracked with USAA credit monitoring via Expedia
FICO Score June 10 2014 EQ 719
Message 13 of 25
Creditaddict
Legendary Contributor

Re: Will applying for another card today jeopardize my two approvals

Why not apply online?
No worrying about previous 2 apps
Message 14 of 25
NYSuperdoodle
New Contributor

Re: Will applying for another card today jeopardize my two approvals

I guess I could just do it online. I had figured it would be better to talk to someone. Can Amex be recon'ed if they deny?

April 1 2014 EQ-555 TU-545 EX- 545
April 29 2014 EQ -714 TU-579 EX- 698
May 1 2014 EQ 721, TU 707, EX 698
All tracked with USAA credit monitoring via Expedia
FICO Score June 10 2014 EQ 719
Message 15 of 25
IamB2
Established Contributor

Re: Will applying for another card today jeopardize my two approvals


@NYSuperdoodle wrote:

What do you think I should apply for? I'm open to one more app and I'd like to make it a good one. Bear in mind that I know my EQ score is at 719, I suspect the others are also pretty solid. But I have a fair number of INQs as I just refi'ed my car, got a loan on a houseboat, the new USAA card, and the DIscover card. Plus a denial in April from Cap1 and in May a denial from Barclays before my score jumped over 700. And my credit history is short.. only a couple of months of secured cards and 2 car loans 15 months. 


Chase Freedom seems to be very lenient right now. Not to mention that $200 sign up bonus. Please visit their prequal site and see if you qualify for anything first.

 

https://ccsic.fni-stl.com/redes/index.php/chase_app/psonmarketplace.pl?jp_ltg=masthead&OVERRIDE_CELL...

 

EDIT: Never mind the pre-approval link. I just saw that you have opted out. My bad!

 

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 16 of 25
keithB
Established Contributor

Re: Will applying for another card today jeopardize my two approvals

Go for the AMEX!!! I did today, thanks to CreditAddict's encouragement!  I was approved for $2500 on the EveryDay card and I only have 4 months of card history!!!!  BTW, according to AMEX, my score was 730.

Message 17 of 25
NYSuperdoodle
New Contributor

Re: Will applying for another card today jeopardize my two approvals

OK... I'm sold on Amex. Which Amex should I go for? Will they likely coounteroffer if I'm denied one of the premium cards?

April 1 2014 EQ-555 TU-545 EX- 545
April 29 2014 EQ -714 TU-579 EX- 698
May 1 2014 EQ 721, TU 707, EX 698
All tracked with USAA credit monitoring via Expedia
FICO Score June 10 2014 EQ 719
Message 18 of 25
Bman70
Established Contributor

Re: Will applying for another card today jeopardize my two approvals

Do a pre qual check with Amex, what do they suggest?


EX 822
TU 834
EQ 820


Message 19 of 25
NYSuperdoodle
New Contributor

Re: Will applying for another card today jeopardize my two approvals

I'm opted out of prequals, so it doesn't tell me anything. Someone on here suggested that when I was rebuilding my credit - I'm not certain why, but I've generally found the advice given here to be solid. So the prequal checks don't do me much good. 

April 1 2014 EQ-555 TU-545 EX- 545
April 29 2014 EQ -714 TU-579 EX- 698
May 1 2014 EQ 721, TU 707, EX 698
All tracked with USAA credit monitoring via Expedia
FICO Score June 10 2014 EQ 719
Message 20 of 25
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