Need to apply for multiple CCs

[Anonymous]

I'm considering applying for multiple cards at the same time.  I saw a post on here some time ago regarding applying for multiple cards at the same time to prevent hard inquiry denials.  Looking for more info on the process.

[FireMedic1]

Something go wrong? Should it be want to? Why do you need to is the question.

[AverageJoesCredit]

Vague. Apping multiple cards at same time will not prevent ranking up hps or no denials. Your credit profile will determine if you get approved or not. Many lenders have specific rules on how many cards you can app at once you and in todays credit environment big app sprees can be a bad idea. Please give info on your profile and what cards you are thinking of applying for to get best advice thanks.

[Anonymous]

I'm thinking they are wondering if they can hit the submit button on multiple applications at once to prevent all from seeing all those inquiries. I would think there would be an order and the inquiry is instantaneous so I don't think you can beat the system that way.

[Anonymous]

My CS took a hit after home purchase 6mo ago but getting better.  Currently at 675 and need to go shopping (actually want to aquire more credit lines to improve future score).  My goal is to have 810 - 50 CS. 

Currently have the following in my profile:

* 2 car loans

* 1 secured Visa ($1000 cl)

* 1 secured Visa ($300 cl)

Would like to add (some of) the following:

* Home Depot/Lowes

* Wayfair/Overstock

* Brandsmart/BestBuy

* RoomsToGo

* Discover or an unsecured Visa with high CL

I think what I referenced in my initial post was the SCT but not sure if it'll get me the lift I'm looking for.

CS future looks somewhat bright.... currently reporting a home short-sale that will fall off in 2019 and 2 small collection medical bills (under 200) that I paid but working to get these removed.  

[Anonymous]

Thanks FireMedic!  How did you ever get that many CCs???

[Brian_Earl_Spilner]

HPs are instantaneous so you won't be able to hide them. As for the SCT, recent data is showing they are now HPing apps. If you want a boost to your score, you just need to add 1 more card.

[Anonymous]

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All of those are HPs. The SCT worked for me the other day for Victoria Secret, JCrew, Wayfair and Overstock. Wayfair and Overstock gave me a 4,500 and 5,000 SL respectively, other two a measily $750. Wayfair and Overstock were different since they asked for annual income, which is probably what determined the SL's ($84,400 is mine).

[Anonymous]

Not bad!  BTW, do you mind me asking your CS?  I heard that Wayfair and Overstock both hit Comenity so you shouldn't try the SCT with them on the same day... truth?  

[Anonymous]

The applications all occurred on the same day lol, last Friday. People warn you against opening too many but I think if you actually use them there shouldn't be a problem. I use both sites anyway.

Comenity pulled Experian on all 4, I had a 701 FICO with 31 inquiries at the time. Still 701 now.