Need 2 Cards asap..Both are with the same bank

[Eric958]

So I finally closed. I need Care credit and Sleep number. Both are serviced by sync. I preq for care credit with descent limit. Would it hurt to apply for both in the same month? What would you do? E!

[PayAndProsper]

Personally, I would go as far as to apply for both in the same day, assuming a clean profile, and few inquiries and new accounts. I would not space them out too far, to be able to apply for both before one reports to the CRAs. 

[JoeRockhead]

Based on older threads I've seen here, it's completely possible, but of course profile dependent. My only recommendation would be to consider going for the card you'd like the higher SL on first, as it's likely your second approval will have a lower SL. But of course nothing is set in stone, and stranger things have happened. Best of luck in whatever route you decide to take.

[zerofire]

This is one of those rare cases of you being lucky. Synchrony Bank will most likely not care too much as long as you pay them back in the end and follow the agreement and have enough room for the new credit. As a lender they are specifically one of two who are subprime. If you apply I recommend that you do it on the same day as Synchrony Bank will put in the HP within seconds and at most a few hours after your application. Just remember to try to avoid failure to pay as agreed since the regular APR will be huge.

[Eric958]

@zerofire I applied and received approvals for both. $12,000 care credit and $8,100 Sleep number. E!

[JoeRockhead]

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@Eric958 wrote:
@zerofireI applied and received approvals for both. $12,000 care credit and $8,100 Sleep number. E!

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Glad to see it all worked out for you @Eric958 congratulations!

[Eric958]

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@JoeRockhead wrote:

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@Eric958 wrote:
@zerofireI applied and received approvals for both. $12,000 care credit and $8,100 Sleep number. E!

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Glad to see it all worked out for you @Eric958 congratulations!

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@JoeRockhead Thanks!! Back to the garden for me!! A tear drops every time I get an alert about inquiries and new accounts reporting. lol So far haven't taken a big hit for the mortgage showing on TU & EX.

[zerofire]

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@Eric958 wrote:
@zerofireI applied and received approvals for both. $12,000 care credit and $8,100 Sleep number. E!

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Congratulations on your new found liquidity.

I take it that you have found a bed that you are comfortable with and your medical needs are handled for the the time being within the credit lines provided. As for mortgages you can be certain that they cause about the same amount of damage on the report as a normal account or less. The large amount owed is split across many years so can actually make it like a normal loan. However some lenders like to see mortgages as a extra positive and it definitely boosts credit mix if you have one. Now that I think of it Synchrony Bank likes to whine every so often if you do not have a mortgage.

[SouthJamaica]

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@Eric958 wrote:
@zerofireI applied and received approvals for both. $12,000 care credit and $8,100 Sleep number. E!

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Congratulations on the approvals.

[kh_jenn]

Congrats on your approvals, @Eric958! This thread will be closed to new replies now. Please feel free to continue your discussion in the Approvals board.Thank you!