Order of spree? CSP, Chase Amazon, Citi DC?

[Anonymous]

Yes, you are correct. I do have Blispay, which is why I'm 3/24 on EX as opposed to 4/24 on the other 2B.

[sarge12]

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@Anonymous wrote:
Yes, you are correct. I do have Blispay, which is why I'm 3/24 on EX as opposed to 4/24 on the other 2B.

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BBS...chase often does a double pull from Exp. and Equifax, so they will probably see 4/24 when they pull...you would have to be awful lucky for them to only see Exp. IMHO!

[Gmood1]

I'd hit CSP, Amazon and then hit Citi. I believe you'll end up with all three.Your inqs are so low, doesn't seem like a factor too me.

[Anonymous]

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@Gmood1 wrote:
I'd hit CSP, Amazon and then hit Citi. I believe you'll end up with all three.Your inqs are so low, doesn't seem like a factor too me.

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So you don't think Citi would care about 1-2 inquiries verses 2-3 basically.  I am concerned about what sarge said though, once approved for the CSP I'll be at 5/24 on EX so if I then apply for the Amazon and get to 6/24 I could see Chase take AA against the CSP before I even get it. 

Another thing, I totally messed up this morning and overdrafted my Chase account.  I made multiple transfers from other accounts late last week that didn't make it to my Chase checking account until about 2 hours too late so my Chase checking account sat at -$19 for a few hours and then was back at +$1800.  I have not overdrafted an account in over a decade so I feel like an idiot.  Now I'm second guessing myself regarding going in branch to apply for the CSP.  I'm not sure if that overdraft is a bad look and/or if it would impact my CSP app, or if I'm over thinking it and it doesn't matter as the account is fine now.  I've got > $10k in my Chase savings account, so it's not like they would think I'm struggling financially or something based on that overdraft... I just hate that it happened and of course it's literally on the day I was planning to go app for the CSP...

[sarge12]

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@Anonymous wrote:

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@Gmood1 wrote:
I'd hit CSP, Amazon and then hit Citi. I believe you'll end up with all three.Your inqs are so low, doesn't seem like a factor too me.

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So you don't think Citi would care about 1-2 inquiries verses 2-3 basically.  I am concerned about what sarge said though, once approved for the CSP I'll be at 5/24 on EX so if I then apply for the Amazon and get to 6/24 I could see Chase take AA against the CSP before I even get it. 

Another thing, I totally messed up this morning and overdrafted my Chase account.  I made multiple transfers from other accounts late last week that didn't make it to my Chase checking account until about 2 hours too late so my Chase checking account sat at -$19 for a few hours and then was back at +$1800.  I have not overdrafted an account in over a decade so I feel like an idiot.  Now I'm second guessing myself regarding going in branch to apply for the CSP.  I'm not sure if that overdraft is a bad look and/or if it would impact my CSP app, or if I'm over thinking it and it doesn't matter as the account is fine now.  I've got > $10k in my Chase savings account, so it's not like they would think I'm struggling financially or something based on that overdraft... I just hate that it happened and of course it's literally on the day I was planning to go app for the CSP...

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Why would you not have overdraft protection on your checking account BBS? I know my credit union has the ability to draw out of savings in addition to overdraft protection, does Chase not allow this also? With my credit union I have 8000 dollars overdraft, and it is at 8.99% interest so it would take one massive mistake to actually overdraft. My guess however, since they actually paid it, and you are probably a valued customer, it will not be considered an overdraft. Did they charge you an NSF fee? If not you are probably OK on that. Most banks usually allow a small overage for longtime customers without overdraft protection and without penalty That worry is probably unfounded.

[Gmood1]

Did Chase charge you an overdraft fee?
Chances are none of these cards will have reported to the CBs by the time they're mailed out. Have you guys seen wide spread AA from Chase on folks who have went over 5/24? I assume there would be plenty of us here with our Chase cards taken away if that were the case. I'm at like 30/24 .. Lol. A couple of my Chase cards that were closed over the last year, were closed by me.

I feel you're over thinking this just a bit. Go get your cards if you want them.

[AverageJoesCredit]

Lol,Gmood, yess BBS, for one day put on your Ficoland hat and go have fun with your spree wheee

[sarge12]

BBS....worst case a card or cards will be denied...not desired, but not catastraphic either. You might be overthinking it for real.

[Anonymous]

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@sarge12 wrote:

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Why would you not have overdraft protection on your checking account BBS? I know my credit union has the ability to draw out of savings in addition to overdraft protection, does Chase not allow this also? With my credit union I have 8000 dollars overdraft, and it is at 8.99% interest so it would take one massive mistake to actually overdraft. My guess however, since they actually paid it, and you are probably a valued customer, it will not be considered an overdraft. Did they charge you an NSF fee? If not you are probably OK on that. Most banks usually allow a small overage for longtime customers without overdraft protection and without penalty That worry is probably unfounded.

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Yes, Chase has overdraft protection but I guess 2 months ago when I opened my checking/savings accounts I never "signed up" for it.  There was no NSF fee.  Maybe they allow you one mulligan.  I guess I could call them up and ask or ask about it when in branch, along with "signing up" for overdraft protection...

[Anonymous]

Understood.  I'm heading to the branch in a little bit.  Wish me luck, my fellow myFICOers