4 months wait enough?

[icednightpaper]

Hey all,

I'm looking at an AMEX Hilton (not sure which one yet) for 1/2020, but I had four approvals in 2019, two in September, one each in June and February. Particulary for Chase, any reason I should wait a bit longer than 4 months to go for another card? My profile isn't exactly thin but it's nowhere near rock solid yet. My brain is regardless telling me to garden for a bit but it's surprisingly hard to convince myself.

[Meanmchine]

Unless you have an urgent need, the Hilton card will still be there when you get out of the garden

[Remedios]

If it's been four months since your last card and taking into consideration that Amex will take two months to report, I think you'd be okay AA wise, but at the same time, longer you garden, better your terms and SL will be.
I'd garden two more months for that reason.

[SouthJamaica]

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@icednightpaper wrote:

Hey all,

I'm looking at an AMEX Hilton (not sure which one yet) for 1/2020, but I had four approvals in 2019, two in September, one each in June and February. Particulary for Chase, any reason I should wait a bit longer than 4 months to go for another card? My profile isn't exactly thin but it's nowhere near rock solid yet. My brain is regardless telling me to garden for a bit but it's surprisingly hard to convince myself.

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1. In my opinion your profile is not "thin". You have enough credit cards for the rest of your life, as far as FICO scoring is concerned.

2. I doubt that your getting an Amex card in January would spook Chase.

[icednightpaper]

All very good points, so I may clamp down and garden just a little bit. Although boy does it kill me!