topic Re: new app spree in Credit Card Applications

new app spree

pete19103 — Wed, 11 Jan 2023 19:44:09 GMT

I am getting ready for my next mini app spree for some SUBs. Out of Citibank, Wells Fargo and Bank of America, which of these issuers are the most/least lnquiry-new account sensitive? I am currently 0/6 and 2/12; my Fico8 Experian is 765 and I already have credit cards with all 3.

Re: new app spree

mfinsmi1 — Wed, 11 Jan 2023 22:54:58 GMT

@pete19103 citi is most sensitive so start with them

Re: new app spree

SweetCreditObsession — Thu, 12 Jan 2023 00:38:03 GMT

@pete19103 wrote:
I am getting ready for my next mini app spree for some SUBs. Out of Citibank, Wells Fargo and Bank of America, which of these issuers are the most/least lnquiry-new account sensitive? I am currently 0/6 and 2/12; my Fico8 Experian is 765 and I already have credit cards with all 3.

Due to DPs I've picked up here, I'd start with Citi. I'm unfamiliar with Wells Fargo so I can't speak to them.

A few years ago, I applied for three cards within a few days, including BoA, and I got approved. Of course, ymmv.

Re: new app spree

ptatohed — Fri, 13 Jan 2023 16:56:38 GMT

Just want to point out that juggling multiple SUBs could be risky. That's $1000s of dollars to spend in 3 months. I remember reading about the member who just underspent while working toward two different subs and lost out on both. Just something to keep in mind. Good luck!

Re: new app spree

Beefy1212 — Wed, 18 Jan 2023 22:01:27 GMT

@ptatohed wrote:
Just want to point out that juggling multiple SUBs could be risky. That's $1000s of dollars to spend in 3 months. I remember reading about the member who just underspent while working toward two different subs and lost out on both. Just something to keep in mind. Good luck!

I usually try to line up a root canal, with insurance renewal, or new tires etc. a couple largish purchases you are going to make regardless of subs, when getting a few cards at once.

another great tactic is funding a new credit union checking and/or savings account. I don't know if any that allow it other than Affinity but they allow you to fund upto 1k using a credit card and it doesn't code as cash advance. I am sure with some googling you could find a few more that work the same. Best part about this is you could potentially use that same account to get a new sign on bonus with that credit union.

Re: new app spree

ptatohed — Wed, 18 Jan 2023 23:12:45 GMT

@Beefy1212 wrote:
@ptatohed wrote:
Just want to point out that juggling multiple SUBs could be risky. That's $1000s of dollars to spend in 3 months. I remember reading about the member who just underspent while working toward two different subs and lost out on both. Just something to keep in mind. Good luck!

I usually try to line up a root canal, with insurance renewal, or new tires etc. a couple largish purchases you are going to make regardless of subs, when getting a few cards at once.

another great tactic is funding a new credit union checking and/or savings account. I don't know if any that allow it other than Affinity but they allow you to fund upto 1k using a credit card and it doesn't code as cash advance. I am sure with some googling you could find a few more that work the same. Best part about this is you could potentially use that same account to get a new sign on bonus with that credit union.

I funded my AOD with my Double Cash at the minimum amount required, but kicked myself later when I realized there were no fees or charges to fund with a credit card.

Re: new app spree

Beefy1212 — Thu, 19 Jan 2023 05:19:57 GMT

@ptatohed wrote:
@Beefy1212 wrote:
@ptatohed wrote:
Just want to point out that juggling multiple SUBs could be risky. That's $1000s of dollars to spend in 3 months. I remember reading about the member who just underspent while working toward two different subs and lost out on both. Just something to keep in mind. Good luck!

I usually try to line up a root canal, with insurance renewal, or new tires etc. a couple largish purchases you are going to make regardless of subs, when getting a few cards at once.

another great tactic is funding a new credit union checking and/or savings account. I don't know if any that allow it other than Affinity but they allow you to fund upto 1k using a credit card and it doesn't code as cash advance. I am sure with some googling you could find a few more that work the same. Best part about this is you could potentially use that same account to get a new sign on bonus with that credit union.
I funded my AOD with my Double Cash at the minimum amount required, but kicked myself later when I realized there were no fees or charges to fund with a credit card.

I did the same thing at affinity I was like would this work? tried and it and immediately wished I had done the full 1k