So I'm currently at 5/24 until March 2026 which I'll drop down to 3/24. So for now I'm planning on applying for the Amex Gold and Amex BBP. That would be move me into 6/24 and drop me down to 4/24 March 2026 and the Amex BBP shouldn't effect my 5/24 status. Come March 2026 I was thinking of going for the Amex Platinum Card, Citi Costco Anywhere Visa, and Chase Freedom Unlimited all on one day. This is my theory on this.
A) Apply for the Amex Platinum Card first and assuming I'm approved, Amex usually gives people 7 days to accept a card so I'll take advantage of this and leave it on pending. That was I already know that Amex has already approved me for the card and Citi nor Chase will see the hard pull if Amex does decide to do one. (I've been told once your an Amex customer, they won't do another hard pull)
B) I'd go for the Citi Costco Anywhere Visa next since Citi is the most inquiry sensitive out of them Amex and Chase. May or may not need to go through the reconsideration line but those would be my data points regarding hard inquiries accoss Experian, TransUnion, and Equifax
Experian: 0 / 6, 0 / 12 (maybe 1 / 12 depending on if Amex hard pulled for BBP), 10 / 24
TransUnion: 0 / 6, 1 / 12 (maybe
Equifax: 0 / 6, 0 / 12 (maybe 1 / 12 depending on if Amex hard pulled for BBP), 3 / 24
Experian: 0 / 6, 0 / 12, 10 / 24
TransUnion: 0 / 6, 1 / 12, 13 / 24
Equifax: 0 / 6, 0 / 12, 3 / 24
May add 1-2 hard depending on if Amex hard pulls for the BBP, and since I'm moving soon, depending on if the new place would conduct a hard inquiry.
C) Apply for the Chase Freedom Unlimited since it looks like Chase isn't that inquiry sensitive.
D) Accept the Amex Platinum Card.
So regarding that, I was wondering if any of you had any opinions on this or if you guys see any major red flags. The card I'd be most willing to not get approved out of the Amex Plat, CFU, Costco Visa would be the Costco Visa. I'd want the CFU to go with my CSP and the Amex Plat to finish my Amex trifecta. From what I see the biggest risk would be the CFU if Chase sees a hard injury on the same day. If I had to I'd realistically skip the Costco Visa and do the Amex first, apply for the CFU, then accept the Amex Plat.
The biggest issue I see is if Citi somehow instantly reports a new credit which would instantly blow up my 5/24 status which would mean I'd have to wait until July 2026 to get the CFU or if Chase denies me for too many recent hard inquires then Citi reports the new card a month later before I can try again for the CFU. What do you guys think?
