Mini App Spree Help!?1?

[Anonymous]

Ok, I'm trying to grasp this concept and out the information that I gathered here to goo use.  I app'd for Cap1 Venture and QS today and got approved, also app'd for DCU and got approved there. I went to Citi and I get pre-qual's there, nothing on Chase and I'm not interested in Discover at the moment.  I'd like to try Penfed or NASA or anoyone that you may suggest?  I;m trying to take advantage while I can and don't want to space out app's too much.  DCU should have been 2 HP's and Cap1 MIGHT be 1 for both....should I app Chase as well or stay where I'm at for now?    THANK YOU IN ADVANCE for ANY help and info that you can provide!

[Anonymous]

If Chase has a card you want that fits with your spending, go for it.

[Anonymous]

Not sure I want to try for Chase since I don't have any pre-qual's....Citi gave me some pre-qual's, I'm just not sure if I should use the HP with them or try someone better?

[Anonymous]

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@Anonymous wrote:

Not sure I want to try for Chase since I don't have any pre-qual's....Citi gave me some pre-qual's, I'm just not sure if I should use the HP with them or try someone better?

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Other than Cap One, I've never gotten pre quals from any of the CC sites.

[Anonymous]

BEFORE APPLYING FOR ANYTHING ELSE....

Post your credit scores, where you got the credit scores, and credit history here.  We can assist you to make good decisions on what to apply for.

[Anonymous]

Hey OP! Welcome to the forum! Are there specific cards which meet your specific requirements? What are your FICO scores? Do you have any baddies? What's your AAoA?

First, I would come up with a list of cards that you think you may fit your lifestyle. Then research them. From that list decide which ones fit your needs. Those should be the cards you apply for. This forum is filled with useful information on credit cards. All you have to do is search for it. Best of luck!!!

[ddemari]

OP- if you want a card and your scores are good enough, then by all means do it. I have 8 chase cards, including the freedom, CSP, CS and Slate, none of them were ever prequalified. 

[Anonymous]

Fico 8 scores (from myfico) as of 8/5/15 was EQ-700, TU-733 and EX-745, updated EQ this morning (EQ website) and its down to 703 from 711 yesterday before the pulls.  Cap1 HP is showing one HP across all 3 and EQ is showing 2 HP's for DCU.  I don't have any mortgage credit showing since properties are paid off, AAoA is showing 2 years and 10 months on EQ and 23 inq's in the last 2 years but 12 should be off by December. I have 1 baddie showing from a LONG time ago that should fall off in the near future...

[UncleB]

If you are interested in any of the Amex cards, such as the BCE/BCP or one of the Everyday cards, you should be OK for them.  I was approved with a 695 and a couple of six year old baddies.  If you are going to consider Amex, though, I would do it before too many more inquiries, and definitely before your new accounts start reporting.

Also, as a side-note, some accounts will take a few weeks to report; others are very (VERY) efficient.  Discover took less than a week to start reporting for me, and my Synchrony accounts (Care Credit, Sam's Mastercard) each took just a couple of days.  Also, I don't have one, but it's said that Barclay accounts report sometimes as soon as the next day after approval.  You'll want to be aware of this with companies that are new account/inquiry sensitive... just do them first (ex. Chase (for some folks), Barclay's)

[Anonymous]

Got the Citi DP as well, small SL, hopefully I can do something about that soon....that makes Cap1 QS, Venture, DCU Plat and Citi (saw that they USUALLY pull EX and not EQ so I went with it)...NOW I'm thinking Barclays since they mainly pull TU..