Going for a 3rd CC within a month?

[icednightpaper]

Hello all,

I'm asking this question on behalf of my HH member. They have a thick profile (20+ years, 800+ FICO8s, large variety, 150k+ income) but I don't want to ruin anything for them. They last opened 2 cards in 2019, 1 real estate in 2020, and in 2021: 1 20k PL and 2 cards. The 2021 stuff was opened within the last 30 days. INQ: 10 TU, 8 EX, ?? EQ.

They want to go for one more card, a Delta AMEX for the elevated bonus. I'm wondering if y'all think this would be a little too much in the span of basically a month? From what I understand, their profile is pretty rock solid but the recent accounts seem rather "credit-seeking" to me.

Thank you.

[FinStar]

Are they an existing AmEx cardmember?  If not, they can check the AmEx pre-qualification portal to gauge their odds.

If the 2 cards and PL aren't reporting yet (if you're able to confirm with your HH member), then it shouldn't be an issue based on the information you've presented.

[icednightpaper]

They are not! I ran their info through the pre-qual and came up with Plat, Gold and BCP. Does it only show 3 offers at a time? Only 1 card is reporting as of today, the PL and other card hasn't shown.

I suppose my only concern is potential AA for gathering 4 new accounts at once. Although this is coming from my view, where I have a much thinner profile in comparison.

[Anonymous]

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@icednightpaper wrote:
They are not! I ran their info through the pre-qual and came up with Plat, Gold and BCP. Does it only show 3 offers at a time? Only 1 card is reporting as of today, the PL and other card hasn't shown.

I suppose my only concern is potential AA for gathering 4 new accounts at once. Although this is coming from my view, where I have a much thinner profile in comparison.

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They show you 3 offers initially, then you would click on "view all cards" and it will show you all the cards amd will label which ones are "prequalified for you".

[coldfusion]

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@icednightpaper wrote:
They are not! I ran their info through the pre-qual and came up with Plat, Gold and BCP. Does it only show 3 offers at a time? Only 1 card is reporting as of today, the PL and other card hasn't shown.

I suppose my only concern is potential AA for gathering 4 new accounts at once. Although this is coming from my view, where I have a much thinner profile in comparison.

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Odds of AA are slim. If there's a card they want IMO they should go ahead and apply.

[NaimeseOGK]

I would definitely wait if this is a 3rd card within a month. Try atleast 3 months minimum.