Is this smart? (Chase apping advice)

[Anonymous]

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@Anonymous wrote:

I'm considering apping for Chase Freedom, Chase Freedom Unllimited, and the AARP card.

The main one I want is Unlimited, but I plan to use the other two as well for their specific rewards. I'm finding myself in the position of needing to spend a lot over the next few months so those sign-up bonuses would help significantly.

AAoA is 1 year, 4 months. Score is 784 by Experian; FAKO Credit Karma scores are both 764. Income is ~$1500/month at the moment, though it flucctuates. Previous apps have been on $733/month income and I haven't changed the info yet because SSI is still figuring out how much to give me with my current income of odd jobs.

I carry no balances. I have no derogatory marks against me.

I've heard of the Chase 5/24 rule. In the past 24 months I have opened a U.S. Bank card (REI), American Express card, and an installment loan with Alliant. Does the loan count? Is going up to 5 cards within 24 months okay?

I've also heard it might show up as just one hard pull if I do them all together. Is this still true, that we know of? Is it advisable to aim for it or will Chase be unhappy that I'm seeking 3 cards at once?

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I'm really sorry to hear of everything you have going on I wish you all the best. That said if anyone deserves an App spree it should be you. What I would do looking at the current cash back bonuses:

1 App for the Freedom 150.00 spend 500.00

2 App for the Quicksilver 100.00 spend 500.00

3 App for the AARP

wait 2-3 months 

4 App for the FU 150.00 spend 500.00

[austinguy907]

Sure, then I would say you could go the cash back route but, with your limited profile pick your most productive cash back option and go with that one.  Chances are if you apply for all 3 it might just result in a denial for all 3 of them considering your limited profile at this time.

[Anonymous]

It scares me to have 3 accounts with one bank but I do with one certain bank.  Used to have a ton of Comenity cards and now only have two.  I opened up a Chase Freedom in February 2015 and a CSP in March 2015.  I went back to see if I was pre-approved for the Slate and saw I was no longer pre-approved.  I am glad I wasn't.  Two should be enough, especially if so close together.