topic Re: App for Ritz after app spree? in Credit Card Applications

App for Ritz after app spree?

Cstl05 — Fri, 02 Dec 2016 02:42:18 GMT

So I went on an app spree this past week and got approved for CSP(two week message approved 48 hours later), CSR(7-10 day message, called in verification needed and approved), Discover IT(instant), BoA Cash Rewards(instant), and Cap1 Quicksilver(instant). I don't need the Ritz now, but I will definitely be able to take advantage of the perks and the introductory nights stays. I do travel quite a bit. My question is, my score dropped from 720EX to 706EX, I don't believe the TL have been posted on my FICO scores yet, so is one more too much? I have no issues waiting 2-3 months for everything to come back up, but Chase has extended quite a bit more in terms of SL to me than they have in the past, so I don't want to push it. Thanks in advance.

Re: App for Ritz after app spree?

austinguy907 — Fri, 02 Dec 2016 02:51:06 GMT

Can you manage to make the spend requirements for all of your new shiny plastic? If you can then roll the dice and let them age together.

Re: App for Ritz after app spree?

Cstl05 — Fri, 02 Dec 2016 02:53:49 GMT

Yes. I'm worried about being denied since I just app'd for 5 cards. Do you think adverse action would play a role at all if I app for one more Chase card?

Thank you.

Re: App for Ritz after app spree?

austinguy907 — Fri, 02 Dec 2016 03:00:02 GMT

Doubtful on the AA as they would just deny you but, since you're going to get another HP out of it you might as well recon it if you do get a denial from apping.

Re: App for Ritz after app spree?

Cstl05 — Fri, 02 Dec 2016 03:07:23 GMT

Okay, thank you for the response!

Re: App for Ritz after app spree?

Cstl05 — Fri, 02 Dec 2016 16:27:15 GMT

Well! Approved. In the garden for a while.

Re: App for Ritz after app spree?

austinguy907 — Fri, 02 Dec 2016 16:34:26 GMT

Congrats on the last approval for awhile!!!

Re: App for Ritz after app spree?

Cstl05 — Fri, 02 Dec 2016 17:19:10 GMT

Thank you!

Re: App for Ritz after app spree?

Anonymous — Mon, 05 Dec 2016 03:13:37 GMT

Congrats! I'm glad you did it all at once.. let's them all age together and HPs drop off all at the same time

Re: App for Ritz after app spree?

Anonymous — Mon, 05 Dec 2016 14:36:41 GMT

What was your starting limit? I am surprised you were approved if you just did two other chase cards in the last few days. Can you give us some data points as far as the limits?

Re: App for Ritz after app spree?

Cstl05 — Mon, 05 Dec 2016 15:53:32 GMT

Sure -

CSP - 25k

CSR- 20k

Ritz - 20k