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I close on my house next week and am excited to open some new cards!
I have 5 inquires in the past two years, and my TU score (according to Disco) is 740.
I think I'll open the cards in this order assuming PNC and Citi will be the hardest:
PNC Cash Rewards -> Citi Double Cash -> PenFed Pathfinder -> Lowes
What do you guys think? Will my 5 inquires turn any of these banks off?
go with Citi premier. Grab the bonus,
one year later PC to double cash
AF is waived for the first year
PNC Cash Rewards -> I know with these guys they're INQ sensitive as they shot me down with 5 on my EX report
Citi Double Cash -> Easy but, as someone said aim for the Bonu$ and then downgrade after a year
PenFed Pathfinder -> couldn't say
Lowes -> Appliances? Grows quick w/ a call to Credit Solutions
W/ Mid 700''s I'm more inclined to say shop around a bit more unless you're dead set on these 4 in particular.
I would check here and see if there's anything else that's more enticing and it's all broken down by lender.
My only 2 cents here is that I've had a PNC card for quite some time and found it to be one of the most under utilized in my fleet. It was never a 'grower' or a high SL, and doesn't appear to be compared to the rest of my arsenal. Although I do plenty of banking with them, it's never been a generous card. I'm inclined to say shoot for something else but, depending on your intentions and/or benefits from it, it could be the right card for you.