topic Re: App spree in Credit Cards

App spree

JaeJae12 — Sat, 20 Apr 2013 00:02:49 GMT

Hi so far this month I used 5 inquires to apply for CC n have my guarantor removed from my boa CC.

I got approved for chase freedom, citi forward, and Amex BCE
I got Deny for a CS
Should I tried my luck and apply to another CC? Before I garden for 3 years? If so what card should I aim for( no Af ones)

Thanks.

Re: App spree

a3quit4s — Sat, 20 Apr 2013 00:05:35 GMT

Recon that Chase Sapphire!!

Re: App spree

09Lexie — Sat, 20 Apr 2013 00:06:30 GMT

Refresh my memory ...what does your profile look like? Current cc's ? Baddies? Number of inq's? AAOA?

Re: App spree

LS2982 — Sat, 20 Apr 2013 00:07:20 GMT

@a3quit4s wrote:
Recon that Chase Sapphire!!

I agree it's always worth a shot!!!! Good luck!!!

Re: App spree

JaeJae12 — Sat, 20 Apr 2013 00:08:50 GMT

# of inquires total is just 5 that I used this month, no baddies, no delinquency ,nt
Aaoa- my BOA at 2 years
Past two weeks approval: chase freedom,
Citibank forward
Amex BCE

Should I try for another CC or just go garden mode now eh?

Re: App spree

09Lexie — Sat, 20 Apr 2013 00:10:42 GMT

What's your limit on your BoA?

Re: App spree

tk_0014 — Sat, 20 Apr 2013 00:12:44 GMT

Yeah getting approved for those others, the sapphire should not be much harder unless they really don't like inquiries.

Re: App spree

JaeJae12 — Sat, 20 Apr 2013 00:12:49 GMT

Not much 2.8k for BOA

I already recon for CS but they said no and I need to build some history with the freedom first and try again lol

Re: App spree

09Lexie — Sat, 20 Apr 2013 00:14:29 GMT

You could always try again but they usually like cc's with higher limits - they don't like being the first to hand out $5k CL

Re: App spree

JaeJae12 — Sat, 20 Apr 2013 00:26:10 GMT

Yea, beside CS should I app for discover?

Also does 4 new account open( couning i apply for another kne and approve) in less then 2 weeks hurt me? My FIco score is 778 from what bOa sent me.

Re: App spree

LS2982 — Sat, 20 Apr 2013 00:28:13 GMT

@JaeJae12 wrote:
Yea, beside CS should I app for discover?

Also does 4 new account open( couning i apply for another kne and approve) in less then 2 weeks hurt me? My FIco score is 778 from what bOa sent me.

I would give it 6 months then go for Discover.

Re: App spree

09Lexie — Sat, 20 Apr 2013 00:29:10 GMT

Every time you app and you have a new account hit your cr, your score will drop but its temporary and usually takes 6 mos to recoup. Some not as much depending on your profile but because your AAOA is low if you are going to app for a Discover - do it now before those new cc's hit.

Re: App spree

JaeJae12 — Sat, 20 Apr 2013 00:30:58 GMT

Is discover worth getting? Or should I stay with what I got and garden, I have been getting pre approve mails from discover every other day

Re: App spree

09Lexie — Sat, 20 Apr 2013 00:34:30 GMT

It's a personal decision. I luv my Discover ( not so much this qtr 😕) but I also love my Freedom and other cc's. it definitely depends on what your needs are and whether it will fit your buying habits.

Re: App spree

JaeJae12 — Sat, 20 Apr 2013 00:42:38 GMT

One last thing is 4 new Account going to be okay? In the span of two week?

Re: App spree

09Lexie — Sat, 20 Apr 2013 00:43:59 GMT

Ok for?

Re: App spree

JaeJae12 — Sat, 20 Apr 2013 00:51:29 GMT

I mean if I do apply for the discover would my 3 new account hurt me in their decision? I only received my chase CC and still waiting for the citi n Amex cards

Re: App spree

09Lexie — Sat, 20 Apr 2013 00:53:47 GMT

Are the new cc's on your cr? If not, what could hurt you is the sheer number of inq's on a thin file. Why not wait until the fall after your new accounts age and then they can see how you handle multiple cc's?

Re: App spree

JaeJae12 — Sat, 20 Apr 2013 01:00:24 GMT

Ok thanksss I think I'll just go garden mode till next year and wait for my 5 inquires to drop off. I am already happy I got approved for 3 CC instantly

Re: App spree

09Lexie — Sat, 20 Apr 2013 01:02:04 GMT

Come on over, myjourney is already serving food and nonalcoholic drinks.