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Hello All,
Every week I have been getting an invitation to Apply for the discover IT card. I haven't applied for any card since April. I wanted to do my next app for an amex delta gold in january for backdating purposes. My question is should I apply for the Discover card now? or should I wait till after apply for the amex card in January? My last inquiry was in August 2013 and I have about 8 inquires total on my credit report. What should I do guys? My history is below
I started building my credit with a car Loan which was opened In January 2013. In April I got 2 secured cc with. $500 each. In May 2013 I was approved for an Amex charge card (greencard) in June 2013 I leased a car. My credit score is about 715 across all boards. My salary is. 70k and 5% util on my credit report. What do you guys think? Thanks guys.
@newdaddy113 wrote:Hello All,
Every week I have been getting an invitation to Apply for the discover IT card. I haven't applied for any card since April. I wanted to do my next app for an amex delta gold in january for backdating purposes. My question is should I apply for the Discover card now? or should I wait till after apply for the amex card in January? My last inquiry was in August 2013 and I have about 8 inquires total on my credit report. What should I do guys? My history is below
I started building my credit with a car Loan which was opened In January 2013. In April I got 2 secured cc with. $500 each. In May 2013 I was approved for an Amex charge card (greencard) in June 2013 I leased a car. My credit score is about 715 across all boards. My salary is. 70k and 5% util on my credit report. What do you guys think? Thanks guys.
More info needed
INQ's in the last year?
Scores?
UTL?
Baddies?
@newdaddy113 wrote:
I started building my credit with a car Loan which was opened In January 2013. In April I got 2 secured cc with. $500 each. In May 2013 I was approved for an Amex charge card (greencard) in June 2013 I leased a car. My credit score is about 715 across all boards. My salary is 70k and 5% util on my credit I have only had credit since January 2013. Not baddies.
Prime Discover target area IMHO
Good to go
Good going! You give me hope that I can be there too in a relatively short time. I'll leave the advice to those who know
@newdaddy113 wrote:
Thanks myjourney. Will this affect my chances with Amex?
What Amex card are you lookig for? you may be able to get it as well
@newdaddy113 wrote:
I want to get the delta gold revolver. But I will wait till January so it can be backdated. I already have the green charge card. From reading this forum this will help my aaoa. Will apply for the discover affect my chances for the Amex next month?
Perfect you have one already (Amex)
It won't hurt your chances at all in fact I'm waiting until 1/1/14 to app Chase Ink and a Amex for backdating purposes
So in that case you can wait another 25 days for Discover but either way I think your good to go for both
Good luck