App Spree suggestions

denver133 · ‎04-11-2015

Hello everyone,

I close on my first home on the 29th of April. This house has been a very long time coming with delay after delay.

With that said, April 30th will be my first inquiry in over a year other than the mortgage inquiries. Current file is only my US Bank card with a $3,500 limit. Chase auto loan that is almost paid off. $20K in student loans. Have not had a late payment for over 2 years now.

I would like the following cards and would like suggestions on who to app with first.

Chase Hyatt card

Chase United Explorer

Lowes

PC my US Bank platnium card to a Flex Perks card.

Scores are floating around the 700 mark.

My Cards: CSP: $5,000 // Hyatt: $5,000 // Cap1 Venture: $5,000 // US Bank Plat: $3,500 // Discover: $1,000 // AMEX BCE: $1,000 // Lowes: $5,500 // Furniture Row: $3,500 // Buckle Store Card: $750

Current MyFico Scores: EX 687 EQ 696 TU 687 Gardening from 5/15 till 5/16

Skye12329 · ‎04-11-2015

Chase might make you wait like a month per apps. Its possible to do 2 apps at once with them but sometimes they deny the second for either verification or want to see how you handle a card with them.

I dont know how US Bank works with PC, i think the flex perks is one of their higher cards and might need a 5k limit? Also dont think PC requires a HP.

Lowes should be easier to get.

Honestly i dont think you have an issue on whom to apply with first. However if you have any late payments or derogs on your report it might be a problem.

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 15000 (6/23)
Sam's Club - 5000 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Venture X - 15000 (11/24)
WF Reflect - 5000 (6/25)
Costco - 6800 (8/25)

denver133 · ‎04-11-2015

All of my derogs and lates are almost 3 years old. Been perfect since.

Any thoughts about Discover? Is it a good card?

My Cards: CSP: $5,000 // Hyatt: $5,000 // Cap1 Venture: $5,000 // US Bank Plat: $3,500 // Discover: $1,000 // AMEX BCE: $1,000 // Lowes: $5,500 // Furniture Row: $3,500 // Buckle Store Card: $750

Current MyFico Scores: EX 687 EQ 696 TU 687 Gardening from 5/15 till 5/16

bigbang91 · ‎04-11-2015

@denver133 wrote:
All of my derogs and lates are almost 3 years old. Been perfect since.

Any thoughts about Discover? Is it a good card?

If you have chase premier banking with chase, i would say go for 2x chase card at once. Otherwise, a chase UE first and Citi AA, plus discover if you want