Planning for an App Spree

[tendertan]

I'm planning on an App Spree, need advice which cards to seek First!  I want these cards but don't know what order shall I apply.

Bank of America

Discover

Cap 1 "Venture"

Chase 'CSP"

Barclay

Citi ( is optional I here they are really tight and if so what card would you throw in, just in case)

I'm interested in a Travel Card, Cashback reward card, and overall rewards.  No AF, and have the option to carry a balance. I'm not sure what card I should pursue with BOA, Dis., and Barclay.  All advice is welcome.  My Scores are the low 700 on Equifax&Transunion, and Experian is 744.  I'm expecting a boost with scores once my new CLI's and very low utilization report, but just in case they don't this is where I'm at currently.

[pizza1]

Do you plan on apping for all at once back to back? or spreading them out, and you want to know in order to start?

[tendertan]

Hmmmm, I thought I should do them in one day?  Can I get your opinion?  Yes in what order?

[pizza1]

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@tendertan wrote:

Hmmmm, I thought I should do them in one day?  Can I get your opinion?  Yes in what order?

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Im am probably not the best person to give you adivice on these particular cards.  I will let someone with a little better knowledge step in here. I will add that cap1 doesnt care if they are first or last, youll get approved for venture regadless with your scores. Barclays hates new accts ..So Id be inclined to app first for them. Chase is the same  and inquiry sensitive, so its a toss up there. And Discover..well, thats a total crap shoot there. Im sorry im not more helpful, but Id like for Nixon to step in here and post, and a few others for some real sound advice.

[JSS3]

1. Citi Double Cash(EX primarily..maybe EQ, inq sensitive)-2% on everything if paid in full. 1% otherwise.
2. Barclays Rewards(TU, inq sensitive)-gas
3. Chase CSP(TU &EX, inq sensitive)-traveling
4. BoA Rewards(EX, inq sensitive)-gas
5. Discover(EQ)-category spending which does include a gas quarter.
6. Cap1 Venture(EX,TU,EQ)-traveling

[tendertan]

Thank You,  The stories I read on here makes me super nervous about Citi!  Is it best to app in the same day?  BTW, I have 5 inqiries on Trans 1 this week and the others are older.  Exp. just had one this month, and 1 Feb, and the other 2 are old.  EQ 4 and they are from Dec and older.

[Anonymous]

1st - Barclay. They are very inquiry sensitive.

Then Chase, BoA and Discover (doesn't matter what order)

Last - Capital One. They will pull all 3 bureaus.

[tendertan]

So is 5 inq's too many?

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@Anonymous wrote:

1st - Barclay. They are very inquiry sensitive.

Then Chase, BoA and Discover (doesn't matter what order)

Last - Capital One. They will pull all 3 bureaus.

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[Anonymous]

It's hard to say. Are you talking about inquiries that you already have on your report, Barclay pulls TU (at least most of the time). If these inquiries are very new, chances are they will deny your app.

[tendertan]

Well on Trans. I have 1 (Co-signed) from this month and the others are from Dec and older.  But have 2 new Amex'syear of 2015, and Co-signed for my Son to get him started with a installment loan. So for the year of 2015 2 Amex's(Exp), and 1inquiry this year Co-Signing.

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@Anonymous wrote:

It's hard to say. Are you talking about inquiries that you already have on your report, Barclay pulls TU (at least most of the time). If these inquiries are very new, chances are they will deny your app.

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