When is the best time to apply after you get denied for credit? Another inq question...

[Bruiser]

I applied for an Amex on the 19th of June. Denied.

Is it better to apply again soon or wait? And if waiting is better,..about how long?

By applying I don't mean for the same company, but for new credit with someone else.

I want to apply for CCCU, and I can't decide whether to apply now or wait a month or so.

I'm just confused,...what's new..

[Tuscani]

Do it now unless you think your scores will increase in the next month or two.

[Bruiser]

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Tuscani wrote:

Do it now unless you think your scores will increase in the next month or two.

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ok,..i just applied...

got a message that they will contact me on the next business day

i know they don't do instant approvals, so i'm not too worried,...

i asked for 5k on the visa,..with my 642 exp score and income i hope i can get that or I'd settle for even 1k,.

[Tuscani]

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Bruiser wrote:

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Tuscani wrote:

Do it now unless you think your scores will increase in the next month or two.

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ok,..i just applied...

got a message that they will contact me on the next business day

i know they don't do instant approvals, so i'm not too worried,...

i asked for 5k on the visa,..with my 642 exp score and income i hope i can get that or I'd settle for even 1k,.

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Good luck.. FYI.. They don't do instant approvals.