Application Spree

[Anonymous]

I got approved for AMX Cash Magnet 3100, Cap One VentureOne 1000. Unfortunately I forgot I didn't qualify for the AMX intro bonus due to having one from 2016.

Declined for: Citi (too many inquiries - Will try again in a few months), BOA Travel Rewards (high revolving balance - FALSE because I have 10% utilization now based on the 4/7 credit report... but whatever) , Chase SLATE (think I may have miscalculated 5/24 but they gave another decline reason. Won't try again for another Chase card probably, I already have Freedom Unlimited from 2016)

I forget the exact order I applied in. I also got approved for a 2nd Upstart loan to refinance AMX biz card balance at 8% interest for about 10k for 60 months. The other personal loan providers gave extremely sucky terms with close to CC level interest rates (why even offer someone a personal loan at those rates???) That's why I think Upstart is great, they actually value your prior relationship very heavily in the underwriting it seems...

I think I'm done applying for cards and will go try to "grow the garden" for the next couple of years....

[Anonymous]

Also Maharashi I'll let other more experienced users chime in but I got triple pulled on 2 cards and double pulled on the others. Unfortunately I wonder if single bureau pulls are a thing of the past now? 

Will make it very hard to strategize in the future....

[MakingProgress]

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@Gmood1 wrote:

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@Anonymous wrote:
So if I wanted to get 1 Chase, 1 Amex and 1 Cap One (hypothetically) should the order be :

Cap One
Chase 1 month later
AMX same day as Chase?

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Chase first, then Cap one and then Amex. IME, Amex hasn't been new account or inquiry sensitive. You can bust them all the same day if you want to. 3 apps isn't what I'd consider over the top. 

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I agree with Gmood.  Chase First, as long as you are under 5/24.  Then Amex and then Cap One.  We might be able to give you better advice if you tell us what you have now, cards with balances and limits/ any installment loans/ any baddies.  Keep in mind Cap One will pull all three CRs. 

I did a 4 card mini spree in 2/18  Chase Amazon, Discover, Amex BCE, and Citi DC.  No issues apped all the same day in the order listed. 

I did 3 Cards on 2/10/19 US Bank Cash +, Barclay's Uber Visa, and FNBO Ducks Unlimited.   All the same day in the order listed.   Then on 2/25 A car loan, and on 3/14 an Amex CM.   No issues with any of those, and both US Bank and Barclays are considered inquiry and new account sensitive.