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?
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.