App Spree!!! maybe...

[Anonymous]

Yes! You are right 100 percent! I had lates since my BK and collections. However I did credit repair, all collections from Experian are off and my utilization is at 5 percent, which is why I'm thinking of applying for one or both. This month utilization will be at 3 percent. So I'm thinking of going for it and see what happens. Credit repair really helped  and I haven't applied for any cards since besides the navy fed. Which there is still 3 collections on TransUnion which I'm still working on,  so maybe that's why they only gave me 1k but there are no collections on my Experian, and I know Amex pulls Experian, same with discover. 

[Brian_Earl_Spilner]

Amex can pull more than 1 report. They pulled EX and TU for me.

[seattletravels]

If you're going to apply, apply for whichever you want the most first. Does the Amex or Discover fit your spending habits better? Do you prefer a rewards structure or cash back?

Personally, I'd recommended waiting for the 2nd Navy card. 

[Anonymous]

Many many dps suggest that 2nd navy card is the best option, wait the 91/3 and you will have a great chance at an awesome card with a real limit, also as a bonus if you do app discover only report income that matches your tax return due to the numerous 4506 t requests, and some users experience suggest discover will be more willing to extend a better limit 

With a higher limit card on your profile they do not like to be the first to extend higher limits.

If it were me I would get all my navy cards out of the way first, your profile will look much better to discover amex Citi and others with that second navy card on there

[Anonymous]

congrats on your amex delta plat, did they pull transunion or exp?

[Meanmchine]

Good luck with whatever you decide

[Anonymous]

Thanks, They pulled Experian