In what order should I open these cards?

[James3]

I’m in need of advice for the best order to open a few credit cards. I'm considering a Chase World of Hyatt, Chase branded (non retail), and Amex Blue Cash Preferred. I opened a Bilt card a week ago, but other than that my credit report is clean (1/6, 1/12, 1/24). I’m generally conservative with opening credit cards, so I’ll appreciate any advice before I make a decision.

Current scores:

EX 9 - 830

EQ - ?

TU 8 - 827

[calisig]

Unless there is some special reason why you need one before another:

1. Chase branded (non retail)

2. Chase World of Hyatt

3. Amex Blue Cash Preferred

[James3]

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@calisig wrote:

Unless there is some special reason why you need one before another:

1. Chase branded (non retail)

2. Chase World of Hyatt

3. Amex Blue Cash Preferred

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Thanks, I wasn't sure if Amex or Chase had more stringent guidelines. I suppose I may wait 6 months and see if I can apply for both Chase cards the same day, to see if I can share the hard pull. Is there an advantage to spacing them out?

[calisig]

I am not an expert on this, but Coldfusion wrote, "They (Chase) do not (combine hard pulls same day). You can also expect that once you have submitted an application any additional applications made the same day will be automatically denied as that is Chase' policy and that they will not withdraw any hard pulls incurred by those applications." here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Does-CHASE-combine-hard-pulls-for-credit/m...

Conversely, Bigapple wrote that he was approved for two Chase cards same pull same day here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Banks-That-Do-1-Hard-Pull-for-2-Cards-on-S...

SPChaser wrote, "I have read on these forums with Chase the wait is 30 days between apps." here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/chase-spree/td-p/6425365/page/2

Asside from the two chase same day app question, your profile looks good for at least one chase app now.

Good luck

[OmarGB9]

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@calisig wrote:

I am not an expert on this, but Coldfusion wrote, "They (Chase) do not (combine hard pulls same day). You can also expect that once you have submitted an application any additional applications made the same day will be automatically denied as that is Chase' policy and that they will not withdraw any hard pulls incurred by those applications." here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Does-CHASE-combine-hard-pulls-for-credit/m...

Conversely, Bigapple wrote that he was approved for two Chase cards same pull same day here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Banks-That-Do-1-Hard-Pull-for-2-Cards-on-S...

SPChaser wrote, "I have read on these forums with Chase the wait is 30 days between apps." here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/chase-spree/td-p/6425365/page/2

Asside from the two chase same day app question, your profile looks good for at least one chase app now.

Good luck

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It's never been Chase that combined pulls into one for multiple apps. It was the bureaus taking it upon themselves to delete the second pull as a duplicate. So Chase stopped allowing same day apps. Hence the automatic decline on a second app if applying for more than one card in a day.

Your post about BigApple getting 2 cards in one day is from 2018. That is no longer the case. Now it's one card per 30 days. 

[James3]

Thanks for the responses. @OmarGB9 @calisig I've had a hard time understanding how Chase operates.

[SouthJamaica]

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@James3 wrote:

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@calisig wrote:

Unless there is some special reason why you need one before another:

1. Chase branded (non retail)

2. Chase World of Hyatt

3. Amex Blue Cash Preferred

---

Thanks, I wasn't sure if Amex or Chase had more stringent guidelines. I suppose I may wait 6 months and see if I can apply for both Chase cards the same day, to see if I can share the hard pull. Is there an advantage to spacing them out?

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1.  You will not be able to combine the hard pull.

2.  The use of the word "pull" in the singular is optimistic; Chase often double pulls.

3.  Chase has more stringent guidelines, but doesn't mind people getting lots of Chase cards. Although I have noticed that the preapprovals seems to have a 6 month interval from when a new card is taken out.

4.  As to whether the applications need to be spaced out, that I don't know. But I defer to the wisdom of @OmarGB9 and @calisig on that.

[M_Smart007]

Just to add a DP ..food for thought?

I have read of people ..apply and get approved for two cards in a short period of time, and get one closed down pretty fast.

and if you want all of them closed, go on an APP spree immediately after Chase approvals.

[Janneman]

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@James3 wrote:

I’m in need of advice for the best order to open a few credit cards. I'm considering a Chase World of Hyatt, Chase branded (non retail), and Amex Blue Cash Preferred. I opened a Bilt card a week ago, but other than that my credit report is clean (1/6, 1/12, 1/24). I’m generally conservative with opening credit cards, so I’ll appreciate any advice before I make a decision.

Current scores:

EX 9 - 830

EQ - ?

TU 8 - 827

---

Since you are 1/24 then you should start out with Chase, that's what I would do if I were you, because Chase is the MOST strictest and stingy lender but the most desirable one as everyone wants a piece of it. Just apply for one card...and that should be only Chase...and second one and the third one and so fourth should be only Chase too...but make sure to give at least a space of  60-90 days in each card just to be on the safe side. Other lenders are not going anywhere nor it would be harder to get cc from them, but Chase is a hard cookie...You dont wanna miss a bite of it, do you?