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Pretty new to CC wondering how long to wait to app for #2

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Mr_Mojo_Risin
Senior Contributor

Pretty new to CC wondering how long to wait to app for #2

Hey everyone first post on here. I've been reading all over this site trying to gain as much information as possible over the past few weeks. I've been rebuilding my credit for the past 7 months, taking care of medical collections. I was approved for Cap 1 platinum with the starter limit of 300 on Feb 11. Extremely grateful for that by the way. Anyway my question is how long would you wait to apply for another card? I've prequalified for Discover IT and Chrome.  Just not sure if it's to soon.  My TU FICO is 695 EQ 657 and EX hasn't given me a score yet cause my auto loan only reports to TU and EQ. Hoping after second CC payment EX can generate a score. Any help or advice is greatly appreciated 

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 1 of 12
11 REPLIES 11
M_Smart007
Legendary Contributor

Re: Pretty new to CC wondering how long to wait to app for #2

If you can get a Discover card, I would go for it. JMHO

Message 2 of 12
Mr_Mojo_Risin
Senior Contributor

Re: Pretty new to CC wondering how long to wait to app for #2

Thanks for the reply. From what I've read on here Discovers prequals are usually pretty solid. Thinking I'll give it a go. Thanks again 

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 3 of 12
AllZero
Mega Contributor

Re: Pretty new to CC wondering how long to wait to app for #2

Good luck. May the odds be ever in your favor!
Message 4 of 12
Mr_Mojo_Risin
Senior Contributor

Re: Pretty new to CC wondering how long to wait to app for #2

Thanks for that! I'll probably wait till tomorrow. I'll post how it went

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 5 of 12
Anonymous
Not applicable

Re: Pretty new to CC wondering how long to wait to app for #2

Good luck on your Disco app! Keep us posted.

Message 6 of 12
Keatonsdaddy
New Contributor

Re: Pretty new to CC wondering how long to wait to app for #2

You just planted the seed with Capitol one, let it grow for 6m+ then I would app!

CITI DOUBLE CASH || CAPONE QS || DISCOVER IT || AMEX BCP || CHASE FREEDOM UNL || US BANK CASH+ || AMAZON PRIME VISA || TARGET || WALMART || HUNTINGTON VOICE || BANK OF AMERICA || FIRESTONE || BEST BUY || Apple Card
Message 7 of 12
Mr_Mojo_Risin
Senior Contributor

Re: Pretty new to CC wondering how long to wait to app for #2

Thanks for the advice. I've decided to wait a few more months at least. Maybe I'll get higher SL than I would now

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 8 of 12
Openwater
Established Contributor

Re: Pretty new to CC wondering how long to wait to app for #2


@Mr_Mojo_Risin wrote:

Thanks for the advice. I've decided to wait a few more months at least. Maybe I'll get higherSLL than I would now


Was hoping to hear a success story today, but admire that you've decided to garden a bit. Best of luck, keep us posted!




Discover 22K ---------------------------- Credit Union MC 17K
Cap1 QS 11K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 15K
1 Installment loans:
Auto 60K /

AMEX Hilton Aspire 25K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 9 of 12
Mr_Mojo_Risin
Senior Contributor

Re: Pretty new to CC wondering how long to wait to app for #2

It's gonna be hard to hold out! I'll update with anything new. Thanks

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 10 of 12
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