Someone tag me when were at page 45 of this thread. 
Seriously, though, interested in the age/wait question regarding the 6mo/12mo dates as my next similar megathread was going to feature that same question.
@uncredited wrote:Someone tag me when were at page 45 of this thread.
I think I'll be lucky to get to page 2. 
@Anonymalous wrote:I spaced out all my applications in the past, but this time I'm considering a mini-spree. The goal is to thicken my file with some cards I want, and then let them age, while trying to maximize my chances/SLs by spreading the inquiries among the 3 bureaus. The goal is 3 cards, in order of importance:
- VISA Signature from a local credit union (EQ)
- Elan Max Cash Preferred (alternately, the U.S. Bank Cash+) (TU?)
- Freedom Flex (alternately, the Custom Cash) (Chase is EX, Citi should be as well)
Background: I'm a clean file. I've switched to AZEO (util <2%), and my FICO 8s range from 747 to 764, while my FICO 9s have always been significantly higher. My main weakness is I'm a thin, young file. I only have 3 cards (+1 AU), with the oldest being 18 months old (the AU card is roughly 25 years old). Aside from the cards, my file's empty. My CLs are all over the place -- $0.3K, $24K+, and $7K+ (AU $2K). My existing cards are from Cap1, Navy Fed, and FNBO. No credit seeking (1 to 2 inquiries at each bureau, and my last card/inquiry was 9 months ago).
Specific questions:
Does it sound reasonable? I'd appreciate hearing about any concerns or best practices.
I'll be at 1/12 after a card I opened last November passes the 12 month mark. When does that happen? Can I just wait until 1 day past the anniversary, or do I have to wait until December 1st? I've seen credit monitoring systems that do it both ways, but I'm specifically interested in how Elan and/or U.S. Bank handles it.
Anything I should worry about when it comes adverse action? I'd prefer to avoid CLDs or closures.
Concerns and best practices:
1. US Bank is considered especially sensitive to recent inquiries and new accounts, so you might want to apply for that first.
2. I think the "best practice" is to avoid sprees, and add cards gradually.
Adverse action:
Chase has been known to close accounts shortly after approving them, if they see there has been aggressive credit-seeking. Whether your 3-card spree would be enough to trip that wire, I do not know.
@SouthJamaica wrote:Concerns and best practices:
2. I think the "best practice" is to avoid sprees, and add cards gradually.
@SouthJamaica, Now you tell me
BTW ...great advice. I am not to sure about sprees in this economic environment.
What are u waiting for do it now
No AA on Chase after getting approved for 4 cards, in fact had a nice chat at the branch yesterday, no auto CLI though.
@M_Smart007 wrote:
@SouthJamaica wrote:Concerns and best practices:
2. I think the "best practice" is to avoid sprees, and add cards gradually.
@SouthJamaica, Now you tell me
BTW ...great advice. I am not to sure about sprees in this economic environment.
Well @M_Smart007 I don't think that advice necessarily applies to you, as I believe the banks and credit unions have a special place in their hearts for you.
@SouthJamaica wrote:
@M_Smart007 wrote:
@SouthJamaica wrote:Concerns and best practices:
2. I think the "best practice" is to avoid sprees, and add cards gradually.
@SouthJamaica, Now you tell me
BTW ...great advice. I am not to sure about sprees in this economic environment.
Well @M_Smart007 I don't think that advice necessarily applies to you, as I believe the banks and credit unions have a special place in their hearts for you.
They have a special place in their heart for @Anonymous as well, it's just smaller (SLs).