topic Re: Planning next apps in Credit Cards

Planning next apps

joe867 — Sat, 09 Feb 2013 00:54:38 GMT

So here is my situation... I'm planning on refinancing my mortgage in the next 60 days. Once that is taken care of my next move was to apply for a few CCs. I have 3 cards in mind: PenFed Platinum Rewards, BCP, and CSP. So now, How long after the refi should I wait? Should I app for all 3 at the same time or at separate times? If not all at once then in what order?

Thanks for your input!

Re: Planning next apps

SnackTrader — Sat, 09 Feb 2013 01:02:42 GMT

Well, as far as I know you are free to app after closing. Typically the underwriting process is complete by then.

Also, I am a big fan of app sprees if they are well planned. I like having the cards and inquiries age off quickly, why drag the torture out over months when you can get it done all at once.

Re: Planning next apps

Anonymous — Sat, 09 Feb 2013 01:11:16 GMT

I say you go for the following 3 cards:

Fingerhut

Swiss Colony

The Matrix Card

These 3 cards - no can defend

Re: Planning next apps

SnackTrader — Sat, 09 Feb 2013 01:16:25 GMT

@Anonymous wrote:
I say you go for the following 3 cards:

Fingerhut
Swiss Colony
The Matrix Card

These 3 cards - no can defend

You should probably clarify that you are joking.

Re: Planning next apps

Swapmeet — Sat, 09 Feb 2013 01:28:47 GMT

I say go in the order of sensitivity to inqs...which I estimate to be PenFed, BCP, then CSP.

Re: Planning next apps

Anonymous — Sat, 09 Feb 2013 01:26:02 GMT

Sorry hehe, I am joking about Fingerhut, Swiss Colony and the Matrix Card.

Re: Planning next apps

joe867 — Sat, 09 Feb 2013 01:27:30 GMT

I understand that you are joking, I just don't understand the joke.

Re: Planning next apps

Anonymous — Sat, 09 Feb 2013 03:21:36 GMT

They're just crappy cards with horrid interest rates and annual fees