Applications Timeline Help (USB, Chase, PNC)

[CreditNoob23]

I am looking to get 3 cards this year and those are the US Bank Cash+, Chase Amazon Prime Visa Signature, and the PNC Cash Rewards card. I currently already have a US Bank Cash+, but I searched the forums and saw that it was possible to have 2. I've been mini gardening for the Prime card, but I can put it off for a potential 2nd Cash+. Also, I have had a checking account with PNC since 11/2020.

All my Fico 8 and 9 scores are 760+ and here are the current cards I have:

       - Cap1 (5/2017)

       - Best Buy (6/2018)

       - Discover (11/2018)

       - Amex (01/2019)

       - Chase (06/2019)

       - USB (03/2020)

       - PPMC (03/2020)

       - Apple Card (03/2020)

So I was going to apply for the Cash+ April 1st, then the Prime Visa on July 1st, and PNC maybe a week after that. Does this sound like a good idea?

[AverageJoesCredit]

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@CreditNoob23 wrote:

I am looking to get 3 cards this year and those are the US Bank Cash+, Chase Amazon Prime Visa Signature, and the PNC Cash Rewards card. I currently already have a US Bank Cash+, but I searched the forums and saw that it was possible to have 2. I've been mini gardening for the Prime card, but I can put it off for a potential 2nd Cash+. Also, I have had a checking account with PNC since 11/2020.

All my Fico 8 and 9 scores are 760+ and here are the current cards I have:

       - Cap1 (5/2017)

       - Best Buy (6/2018)

       - Discover (11/2018)

       - Amex (01/2019)

       - Chase (06/2019)

       - USB (03/2020)

       - PPMC (03/2020)

       - Apple Card (03/2020)

So I was going to apply for the Cash+ April 1st, then the Prime Visa on July 1st, and PNC maybe a week after that. Does this sound like a good idea?

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You look ovee 5/24 to me so Chase will be moot point if so. 

[Anonymous]

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@CreditNoob23 wrote:

I am looking to get 3 cards this year and those are the US Bank Cash+, Chase Amazon Prime Visa Signature, and the PNC Cash Rewards card. I currently already have a US Bank Cash+, but I searched the forums and saw that it was possible to have 2. I've been mini gardening for the Prime card, but I can put it off for a potential 2nd Cash+. Also, I have had a checking account with PNC since 11/2020.

All my Fico 8 and 9 scores are 760+ and here are the current cards I have:

       - Cap1 (5/2017)

       - Best Buy (6/2018)

       - Discover (11/2018)

       - Amex (01/2019)

       - Chase (06/2019)

       - USB (03/2020)

       - PPMC (03/2020)

       - Apple Card (03/2020)

So I was going to apply for the Cash+ April 1st, then the Prime Visa on July 1st, and PNC maybe a week after that. Does this sound like a good idea?

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Your timeline looks correct. In July you should be 4/24. I would definitely app for the Cash+ first once you hit 0/12 in April.

[Meanmchine]

Why a second USB cash back card ?

[CreditNoob23]

@Meanmchine I would like to get the most cash back possible in the categories I use the most. The combination of 5% cash back on fast food/utilities/cell phone/internet services are too good to pass up.

[AndySoCal]

@CreditNoob23 

According to creditcards.com USB does product changes on credit cards. Not sure if they will/can do that for the credit card you have or not. It would not hurt to ask.