topic Re: Here I go in Credit Card Applications

Here I go

red259 — Sat, 03 Jan 2015 20:30:43 GMT

Ok. Since I had three inqs from 1/2/14 that should have dropped off my report by now (I have two inqs in past year and none in past six months) I am ready to pull the trigger on the following cards in this order (please advise if I should switch the order around but its in order of priority of cards I want at the moment:

1. Barclays Arrival plus

2. Amex everyday

3. citi hilton hhones

4. Chase hyatt

I'm a bit concerned since all these lenders seem to pull experian. Any thoughts would be appreciated.

Re: Here I go

gdale6 — Sat, 03 Jan 2015 20:32:46 GMT

Barclays is typically a TU puller though some report that they do pull EX, I would check CreditPulls or Who Gave Me Credit to get an idea on this for your state. Good luck

Re: Here I go

CreditCuriosity — Sat, 03 Jan 2015 20:34:08 GMT

Weekend and no Recon.. Might be sitting a few days on decisions for a few of those.. I don't app on weekends anymore

Re: Here I go

CreditCuriosity — Sat, 03 Jan 2015 20:40:18 GMT

Also I would switch 2 and 3 so Citi before Amex as citi is more inquiry sensitive and might pull EX as you know Amex will pull experian and they aren't inquiry sensitive... Other then that I think the order is perfect

Re: Here I go

Anonymous — Sat, 03 Jan 2015 20:40:23 GMT

Citi, Barclays, AMEX, Chase.

Re: Here I go

red259 — Sat, 03 Jan 2015 20:43:51 GMT

@Anonymous wrote:
Citi, Barclays, AMEX, Chase.

Should citi still go first if I already have a citi account in good standing, but no barclays account?

Re: Here I go

Anonymous — Sat, 03 Jan 2015 20:44:27 GMT

Okay Barclays first then.

Re: Here I go

red259 — Sat, 03 Jan 2015 20:48:53 GMT

@CreditCuriousity wrote:
Weekend and no Recon.. Might be sitting a few days on decisions for a few of those.. I don't app on weekends anymore

Is there any downside other than having to wait until Monday to call in? I was thinking about starting my apps and going one by one. If someting isn't an instant approval then I will just stop until I can call in and then I would follow up with other apps once I got an answer back.

Re: Here I go

CreditCuriosity — Sat, 03 Jan 2015 20:48:05 GMT

@Anonymous wrote:
Okay Barclays first then.

I win

Re: Here I go

Anonymous — Sat, 03 Jan 2015 20:48:40 GMT

Shush.

Re: Here I go

Anonymous — Sat, 03 Jan 2015 20:49:19 GMT

@red259 wrote:
Ok. Since I had three inqs from 1/2/14 that should have dropped off my report by now (I have two inqs in past year and none in past six months) I am ready to pull the trigger on the following cards in this order (please advise if I should switch the order around but its in order of priority of cards I want at the moment:
1. Barclays Arrival plus
2. Amex everyday
3. citi hilton hhones
4. Chase hyatt

I'm a bit concerned since all these lenders seem to pull experian. Any thoughts would be appreciated.

Haven't paid attention to which creditor pull which bureau until I'm interested in these credit pokemon game.

Both Chase and Barclay's have always pulled Transunion for my applications, and Equifax for Citibank, though your mileage might vary depends on your address

... I know friends of mine that actually use different billing addresses to apply for different cards just for "damage (inquiry) control" lol

Re: Here I go

CreditCuriosity — Sat, 03 Jan 2015 20:51:46 GMT

Nah no downside really... IMO you might certainly have to recon Barclay's are they are strange and alot of security.. Not a denial just verifying who you are is all... W/regards to Chase you might just have to call UW/Analyst, but they are still open today for same reason verification, but most likely you will get by that fine... So you are set... Citi i doubt will take a recon and amex there is no recon per say.... you are set

Re: Here I go

red259 — Sat, 03 Jan 2015 20:53:47 GMT

@CreditCuriousity wrote:
Nah no downside really... IMO you might certainly have to recon Barclay's are they are strange and alot of security.. Not a denial just verifying who you are is all... W/regards to Chase you might just have to call UW/Analyst, but they are still open today for same reason verification, but most likely you will get by that fine... So you are set... Citi i doubt will take a recon and amex there is no recon per say.... you are set

If I app for Barclays and they make me recon like you mentioned will they be going off the initial HP when deciding or will they see the subsequent HPs? Basically the question is if I app for a barclays and get a wait message is there any downside to pulling the trigger on the other apps?

Re: Here I go

CreditCuriosity — Sat, 03 Jan 2015 20:55:35 GMT

@red259 wrote:
@CreditCuriousity wrote:
Nah no downside really... IMO you might certainly have to recon Barclay's are they are strange and alot of security.. Not a denial just verifying who you are is all... W/regards to Chase you might just have to call UW/Analyst, but they are still open today for same reason verification, but most likely you will get by that fine... So you are set... Citi i doubt will take a recon and amex there is no recon per say.... you are set
If I app for Barclays and they make me recon like you mentioned will they be going off the initial HP when deciding or will they see the subsequent HPs? Basically the question is if I app for a barclays and get a wait message is there any downside to pulling the trigger on the other apps?

Initial HP imo.. obviously they could softpull you if they so wanted to if you are instant approved on monday, but most likely they will use the same HP and IMO the only other one on your list that might use TU is Chase.... Those are just my opinions though. Nixon can chime in as well

Re: Here I go

gdale6 — Sat, 03 Jan 2015 20:57:08 GMT

@CreditCuriousity wrote:
@red259 wrote:
@CreditCuriousity wrote:
Nah no downside really... IMO you might certainly have to recon Barclay's are they are strange and alot of security.. Not a denial just verifying who you are is all... W/regards to Chase you might just have to call UW/Analyst, but they are still open today for same reason verification, but most likely you will get by that fine... So you are set... Citi i doubt will take a recon and amex there is no recon per say.... you are set
If I app for Barclays and they make me recon like you mentioned will they be going off the initial HP when deciding or will they see the subsequent HPs? Basically the question is if I app for a barclays and get a wait message is there any downside to pulling the trigger on the other apps?
Initial HP imo.. obviously they could softpull you if they so wanted to if you are instant approved on monday, but most likely they will use the same HP and IMO the only other one on your list that might use TU is Chase.... Those are just my opinions though. Nixon can chime in as well

Re: Here I go

CreditCuriosity — Sat, 03 Jan 2015 20:57:12 GMT

Barclay - TU Pull

City - EQ or EX pull most likely

AMEX - Experian

Chase Hilton - Either be a single HP from one of the three or double for one of the three.. That is a tough one to call. But they arent very inquiry sensitive.

Re: Here I go

Anonymous — Sat, 03 Jan 2015 20:58:18 GMT

What CC said.

Re: Here I go

CreditCuriosity — Sat, 03 Jan 2015 20:59:07 GMT

BTW best of luck.. You should be 4/4! Let us know the outcome!

Re: Here I go

red259 — Sat, 03 Jan 2015 20:59:52 GMT

Ok. I'm going in!

Re: Here I go

CreditCuriosity — Sat, 03 Jan 2015 21:03:08 GMT

Dangit will have to see the outcome when i get back form the bar ... off to see the the Cardinal game.. As stated best of luck!