Help Plan App Spree

[Varsity_Lu]

My wife will be at 0/6 0/12 inquiries and 0/6 1/12 new accounts at the end of August.  She wants to get the Fidelity Visa, a Max Cash Preferred, and a AAA Daily Advantage card.  What's the best plan of attack for her to get all three of these cards?  I was thinking she should complete the app for both Elan cards on two different computers and then click submit on them one right after the other.  Maybe the Max Cash first followed by Fidelity?  Then, just have her app for the AAA card right after.  I have feeling she'll get approved for them all, but maybe there is a better way of doing this. Never spreeed before, so we are flying blind here a little. 

[FicoMike0]

Getting two elan cards at once could be a problem. Do either offer preapproval? I once wanted the fidelity card for 2% catchall. Then I got wf active cash for 2%. I now also have navy flagship, which offers 2 points. Recently, I got the aven sig visa which pays 3% on everything, up to $10000. I'm afraid the 2% cards are headed for the sock drawer. I mostly use bcp and savor as daily drivers. I've got prime for Amazon and usb shoppers for Wal-Mart and menards. Connect or flagship for travel. I don't see more than $10000 spend left for catchall.

Anyway, might consider aven. At $15,000 they have been my highest initial cl as well.

[AndySoCal]

I agree with @FicoMike0  that pulling both Fidelity Visa and Max cash back to back might cause a problem. The app order is which card has a higher priority based on whatever criteria.  You might want to space those two apps out like week a part. You also can get max cash cards through credit unions like Connexus Credit Union in Wisconsin or Spectrum Credit Union in California to name two but there are many more. Either way it going to go through Elan.  The AAA Daily Adantage per which report pulled post on the forum will be Experian or Equifax

[Varsity_Lu]

What advantage would there be to spacing the Elan apps out a week?  I guess I thought hitting them at the same time might actually increase her approval odds, you know, confuse the system a bit.  I'm actually hoping that if she clicks submit on them quick enough they may only do one hard pull.  My fear is that if they are spaced out, Elan will for sure reject the second one due to too many recent inq and/or new accounts.

[Varsity_Lu]

@unsungivy 

Found this thread from a year ago:

How Many ELAN Cards I can have ???????? 

So, how did you pull the Double-E off?

[unsungivy]

---

@Varsity_Lu wrote:

@unsungivy 

Found this thread from a year ago:

How Many ELAN Cards I can have ???????? 

So, how did you pull the Double-E off?

---

🤷‍♀️ Same day. More or less back to back. Two different CUs because I wanted both Visa and MC for reasons. I also did my research and found places that were likely to get folded into larger banks which did not use Elan, so the cards would become generic in the future.

First card approved for 20k. Second card approved for 25k, after initially going to review. They ended up only counting for a single hard pull.

I'm not the only one who had this experience and result. I was just the first one 😜

EDIT: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Updated-BCP-CSP-and-Elan-MCPx2-APPROVED-oh-an...

My original approval thread. I was a bit overwhelmed.

[AndySoCal]

@Varsity_Lu  Two applications will not confuse the Elan's system. This is not the first time that this has ever been done. My concern is the system may flag the accounts for review. The review most likely will include the fraud department. The fraud department could close both accounts.  What could trigger the review is the fact a customer that has never applied for a card applies tor two within the matter of minutes. This scenario can be a potential fraud  case. 

[Varsity_Lu]

---

@AndySoCal wrote:

@Varsity_Lu  Two applications will not confuse the Elan's system. This is not the first time that this has ever been done. My concern is the system may flag the accounts for review. The review most likely will include the fraud department. The fraud department could close both accounts.  What could trigger the review is the fact a customer that has never applied for a card applies tor two within the matter of minutes. This scenario can be a potential fraud  case. 

---

Well, @unsungivy did it.  And that was her 3rd and 4th app in the spree.   Only one HP.  Worst case scenario they both get denied.  Not that big of a deal.  Not worried about a fraud cas since it's not fraud.

[AndySoCal]

@Varsity_Lu The difference is between your scenario @unsungivy is that the two requests were coming from two different credit unions yours are coming from the same source Fidelity.

[Varsity_Lu]

---

@AndySoCal wrote:

@Varsity_Lu The difference is between your scenario @unsungivy is that the two requests were coming from two different credit unions yours are coming from the same source Fidelity.

---

Uh...no.  Fidelity does not issue the Max Cash Preferred card.  My wife will be apping for the Fidelity Visa (she's already been invited with a code) and then apping for MCP from our local bank.  Both are Elan cards, but they come from two separate financial institutions.  There's no other way to get both of them.  Not sure why you thought they were both Fidelity cards.