DECLINED FOR CITI DOUBLE CASH AND SIMPLICITY RECENTLY

[Anonymous]

I was recently declined for the Simplicity for too many inquires and number or derogatories.  I filed a claim with Experian and got the incorrect derogatory record cleared.  I saw that it was suggested that I apply for the Citi Double Cash and was declined when I applied for that just for too many inquiries.  I'm guessing this is due to my recent approvals for the Discover It for $6k, CSP for $8.5k, AMEX Green Charge Card and my decline for the AMEX BCE.

I really want the AMEX BCE or EveryDay as well as the Citi Double Cash.  How long should I wait to apply for the cards and what should my approach in applying for them be?  Should I app for the AMEX BCE or EveryDay first or the Citi Double Cash? 

[Anonymous]

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@Anonymous wrote:

I was recently declined for the Simplicity for too many inquires and number or derogatories.  I filed a claim with Experian and got the incorrect derogatory record cleared.  I saw that it was suggested that I apply for the Citi Double Cash and was declined when I applied for that just for too many inquiries.  I'm guessing this is due to my recent approvals for the Discover It for $6k, CSP for $8.5k, AMEX Green Charge Card and my decline for the AMEX BCE.

I really want the AMEX BCE or EveryDay as well as the Citi Double Cash.  How long should I wait to apply for the cards and what should my approach in applying for them be?  Should I app for the AMEX BCE or EveryDay first or the Citi Double Cash? 

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I'd suggest to wait atleast six months to let those accounts age,

[Anonymous]

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@Anonymous wrote:

I was recently declined for the Simplicity for too many inquires and number or derogatories.  I filed a claim with Experian and got the incorrect derogatory record cleared.  I saw that it was suggested that I apply for the Citi Double Cash and was declined when I applied for that just for too many inquiries.  I'm guessing this is due to my recent approvals for the Discover It for $6k, CSP for $8.5k, AMEX Green Charge Card and my decline for the AMEX BCE.

I really want the AMEX BCE or EveryDay as well as the Citi Double Cash.  How long should I wait to apply for the cards and what should my approach in applying for them be?  Should I app for the AMEX BCE or EveryDay first or the Citi Double Cash? 

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How many EX inquiries?

[Anonymous]

I think I have 6 EX inquiries. One was just a credit check for a new apartment I moved into 3 months ago.

[Anonymous]

Garden for a while, then try again. 6 months minimum.

[FlawlessShineAutoSpa]

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@Anonymous wrote:

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@Anonymous wrote:

I was recently declined for the Simplicity for too many inquires and number or derogatories.  I filed a claim with Experian and got the incorrect derogatory record cleared.  I saw that it was suggested that I apply for the Citi Double Cash and was declined when I applied for that just for too many inquiries.  I'm guessing this is due to my recent approvals for the Discover It for $6k, CSP for $8.5k, AMEX Green Charge Card and my decline for the AMEX BCE.

I really want the AMEX BCE or EveryDay as well as the Citi Double Cash.  How long should I wait to apply for the cards and what should my approach in applying for them be?  Should I app for the AMEX BCE or EveryDay first or the Citi Double Cash? 

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I'd suggest to wait atleast six months to let those accounts age,

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+1

[Anonymous]

6-8 months. I'd wait the 6 months, but not so long that your landlord could pull your credit again when you re-up your lease. 

[Ragelog]

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@Anonymous wrote:

6-8 months. I'd wait the 6 months, but not so long that your landlord could pull your credit again when you re-up your lease. 

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Have you actually had this happen? I have never had a landlord pull credit on renewal after the initial pull when moving in. I figure the 9+ months of rent history on top of the original pull is enough for them to decide. I would be upset if my landlord pulled my credit every year when I paid timely.

[abhowmick18]

wait about 6-8 months minimum before reapplying. since you've had a number of recent approvals the amount of hard checks on your profile is still relatively high which is why they declined your approval. let the accounts sit in for a while and develop before you try applying for another card. 

hope this helps!

[Anonymous]

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@Ragelog wrote:

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@Anonymous wrote:

6-8 months. I'd wait the 6 months, but not so long that your landlord could pull your credit again when you re-up your lease. 

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Have you actually had this happen? I have never had a landlord pull credit on renewal after the initial pull when moving in. I figure the 9+ months of rent history on top of the original pull is enough for them to decide. I would be upset if my landlord pulled my credit every year when I paid timely.

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@Ragelog wrote:

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@Anonymous wrote:

6-8 months. I'd wait the 6 months, but not so long that your landlord could pull your credit again when you re-up your lease. 

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Have you actually had this happen? I have never had a landlord pull credit on renewal after the initial pull when moving in. I figure the 9+ months of rent history on top of the original pull is enough for them to decide. I would be upset if my landlord pulled my credit every year when I paid timely.

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Correct should be a 1 time pull but that shouldnt hurt you on getting cards not like your shooping around and have a Chase HP....