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I need some advice on an app spree coming up. I want a apple Barclay card cause I need a new computer so this was the app I was gonna do first. Then I want to do chase, discover it, citi dividend, amex delta, and USAA. In what order should I do the spree?
My current scores are in the low 700s.
Current cards:
Cap 1 $750/100 13 months old
Cap1 500/4 8 months old
Express 250/0 7 months old
Only baddie is a judgment from 2007 $1400
All on time payments and 0 lates.
Also, should I apply for these cards all at the same time?
Thank you in advance to all that respond.
Jeff
Yes all at once in order:
Barclay
Discover
Citi
Chase
Amex
USAA
I was wondering about this too... if you're going to apply for a few new cards, is it best to get them all in the same day so the inquiries don't post before your answers come back?
It makes sense, but having never applied for more than two cards in a 48 hour period, I've never seen it first-hand.
@Creditaddict wrote:
Each one you apply for after the first IF they pull same credit report they will see bit yes much better to apply in sale day because they won't see the accounts approved
It really does work too and that's what I did for my latest app spree! I was really skeptical of trying to do that until I read some posts on a blog about getting airline points and how the guy would do the same thing and get a lot of approvals. Hopefully in about 7-8 months, I'll try that with three specific cards that I really want to get and see what happens.
@NoAnchoviesPlease wrote:I was wondering about this too... if you're going to apply for a few new cards, is it best to get them all in the same day so the inquiries don't post before your answers come back?
It makes sense, but having never applied for more than two cards in a 48 hour period, I've never seen it first-hand.
I believe inquiries show up in real time.
@Creditaddict wrote:
Each one you apply for after the first IF they pull same credit report they will see bit yes much better to apply in sale day because they won't see the accounts approved
Makes sense I guess. I'll have to look at my wish list and see who they pull.
One more question. Should I app for an amex charge card at the same time as the amex delta knowing it would be 1 hard pull for both cards?