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Does applying for another card a few days apart hurt credit score or taken from same inquiry?

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Anonymous
Not applicable

Does applying for another card a few days apart hurt credit score or taken from same inquiry?

Im moving to a new place in two weeks and this past sunday, i signed up for a store card from ashley furniture since i had alot fo buy and got 48month financing. Now im thinking about signing up for the amazon store card  but not sure if applying will hurt my credit score.

 

Ive read that applying for multiple credit cards on the same day might not hurt your score but im not sure about 2 days apart. I am under the impression that applying for credit cards is like shopping for a loan/refiance a loan and that apps within 14 days are taken from the same inquiry.

 

 

Thoughts?

 

creditscore atm is 720

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Does applying for another card a few days apart hurt credit score or taken from same inquiry?

Credit card is not in the same category as car or mortgage. However, depending on the bank, if you apply for two credit cards in a day, it may be treated as only one inquiry. Similarly, for AMEX, I've read that applying for a charge card and a revolving card is treated as one inquiry. Chase also does one pull although they double pulled ex and eq for the first application. Hope it helps
Message 2 of 4
SouthJamaica
Mega Contributor

Re: Does applying for another card a few days apart hurt credit score or taken from same inquiry?


@Anonymous wrote:

Im moving to a new place in two weeks and this past sunday, i signed up for a store card from ashley furniture since i had alot fo buy and got 48month financing. Now im thinking about signing up for the amazon store card  but not sure if applying will hurt my credit score.

 

You will get an inquiry, and if you are accepted, your average age of accounts will go down. So yes.

 

Ive read that applying for multiple credit cards on the same day might not hurt your score

 

Not true

 

but im not sure about 2 days apart. I am under the impression that applying for credit cards is like shopping for a loan/refiance a loan and that apps within 14 days are taken from the same inquiry.

 

Not true

 

 

Thoughts?

 

creditscore atm is 720


 


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 3 of 4
Anonymous
Not applicable

Re: Does applying for another card a few days apart hurt credit score or taken from same inquiry?

DarkR166, I would suggest checking out the rebuilding your credit forum. Lots of good info over there.

Message 4 of 4
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