Mini spree or just one app and wait 6 more months?

[Anonymous]

Hi,

 I am joining NFCU and have decided to app for the cash card in the process. There are a few other cards out there I have had my eye on and could either app them the same day or two from NFCU or wait maybe 6-7 months.

My applications would go as follows:

NFCU Cash Back. I have a cap1 QS that pays the same1.5 but the QS is an upgrade from the Plat rebuilder. This card will be 1yr in Oct. 300 sl now 1k

USA Bank Cash: for 5% cell bill (150ish in savings yearly)

NRA Card: 5% gas (I have the citi costco, however thats on gas 4% $7000 dollar spend cap)

Cabelas Club: Free Dump fee for RV

I could wait on the last 3 for a few months, having the cellphone bill discount would be nice to start sooner.

My scoures are TU 681, EX 679, EQ 659,... idk about EQ scoring. I have 12 inqs on TU, 11 on EXP, 5 on EQ and many new accounts over the last 12 months. AAOA is 2.6-2.8

As an aside I have sky blue eyes and enjoy long walks on the beach

Thanks in advance for your thoughts and advice!

[Anonymous]

What's your utilization like (highest individual percentage, aggregate percentage)?

Your AAoA is still 6ish months away from crossing into the 3 year mark so that's a long wait.

[Anonymous]

My overall utilization is 12 percent, this will drop to 8 percent in October. I had citi post while I was on Vacation. My higest uti is 36% which is also on that Citi Costco card. My next highest is 21% and is a 0 interest 18 month appliance finance.

[Meanmchine]

Cabelas Visa  is in the process of being taken over by Capital One. Card rewards might be restructured