US Bank almost always manually reviews every application so I'd put it higher up. They also pull from the secondary minor bureaus. I'd go
SM (Most inquiry sensitive)
Cash+ (Manual Reviews)
DC (Sometimes sensitive)
Chase Freedom+AARP
If they don't approve you for the Cash+, you'll automatically be considered for the US Bank Rewards which you can later PC once you get the limit to atleast 5k.
@Anonymous wrote:
@kdong1996 wrote:US Bank almost always manually reviews every application so I'd put it higher up. They also pull from the secondary minor bureaus. I'd go
SM (Most inquiry sensitive)
Cash+ (Manual Reviews)
DC (Sometimes sensitive)
Chase Freedom+AARP
If they don't approve you for the Cash+, you'll automatically be considered for the US Bank Rewards which you can later PC once you get the limit to atleast 5k.
Thanks.
I don't think I'll be needing SM that much cause I'll be in college.
If I wanted BBR, would that go in the end?
IMO yes, BoA typically isn't inquiry sensitive either. The Sallie Mae gives 5% on gas, groceries and bookstores (Amazon.com) which I would think are the categories most college students spend in?
@Anonymous wrote:
@kdong1996 wrote:US Bank almost always manually reviews every application so I'd put it higher up. They also pull from the secondary minor bureaus. I'd go
SM (Most inquiry sensitive)
Cash+ (Manual Reviews)
DC (Sometimes sensitive)
Chase Freedom+AARP
If they don't approve you for the Cash+, you'll automatically be considered for the US Bank Rewards which you can later PC once you get the limit to atleast 5k.
Had to go back to this because doesn't Chase have that new 5 card policy rule?
Theoretically speaking you should be fine as long as you apply for the Chase cards before the other ones report as new accounts since they'd only see the inquiries from the other applications (if they pull from the same bureau).TBH, I doubt you'd have any issue getting any of the cards even if you apply for all of them at once as long as you garden for while and have decent income.
@kdong1996 wrote:
@Anonymous wrote:
@kdong1996 wrote:US Bank almost always manually reviews every application so I'd put it higher up. They also pull from the secondary minor bureaus. I'd go
SM (Most inquiry sensitive)
Cash+ (Manual Reviews)
DC (Sometimes sensitive)
Chase Freedom+AARP
If they don't approve you for the Cash+, you'll automatically be considered for the US Bank Rewards which you can later PC once you get the limit to atleast 5k.
Had to go back to this because doesn't Chase have that new 5 card policy rule?
Theoretically speaking you should be fine as long as you apply for the Chase cards before the other ones report as new accounts since they'd only see the inquiries from the other applications (if they pull from the same bureau).TBH, I doubt you'd have any issue getting any of the cards even if you apply for all of them at once as long as you garden for while and have decent income.
Really? Would you think 1 year and reporting 30k income would be enough to qualify for all of them? Would appreciate any more advice if you have more 
Thanks for the response, by the way.
@Anonymous wrote:
@kdong1996 wrote:
@Anonymous wrote:
@kdong1996 wrote:US Bank almost always manually reviews every application so I'd put it higher up. They also pull from the secondary minor bureaus. I'd go
SM (Most inquiry sensitive)
Cash+ (Manual Reviews)
DC (Sometimes sensitive)
Chase Freedom+AARP
If they don't approve you for the Cash+, you'll automatically be considered for the US Bank Rewards which you can later PC once you get the limit to atleast 5k.
Had to go back to this because doesn't Chase have that new 5 card policy rule?
Theoretically speaking you should be fine as long as you apply for the Chase cards before the other ones report as new accounts since they'd only see the inquiries from the other applications (if they pull from the same bureau).TBH, I doubt you'd have any issue getting any of the cards even if you apply for all of them at once as long as you garden for while and have decent income.
Really? Would you think 1 year and reporting 30k income would be enough to qualify for all of them? Would appreciate any more advice if you have more
Yes, I do think you should have no issues qualifying for all of them, especially since you got a great limit with Amex. As a data point my income is 40k. What you should do in the meantime is increase your current limits that way when you apply later on they'll see that you can responsibly manage higher limits and be more lenient with your SL. You got great cards for this, especially with the Amex TE, you can do the 3x CLI in a few months. You should have no issue getting it to 10k++ within a year. I also had a Capital One Journey which had a 2k SL. The credit steps program said I'd only get a increase to 2.7k, but I used it aggresively and it was increase to 5k instead when the 7th statement cut. You can convert it to the Quicksilver in a few months too. (It would still be enrolled in credit steps) Discover is a bit cauteous at first, but with time and usage it'll grow well. Since all of these cards are SPs for CLIs you can just ask for CLI every few months!
@kdong1996 wrote:
@Anonymous wrote:
@kdong1996 wrote:
@Anonymous wrote:
@kdong1996 wrote:US Bank almost always manually reviews every application so I'd put it higher up. They also pull from the secondary minor bureaus. I'd go
SM (Most inquiry sensitive)
Cash+ (Manual Reviews)
DC (Sometimes sensitive)
Chase Freedom+AARP
If they don't approve you for the Cash+, you'll automatically be considered for the US Bank Rewards which you can later PC once you get the limit to atleast 5k.
Had to go back to this because doesn't Chase have that new 5 card policy rule?
Theoretically speaking you should be fine as long as you apply for the Chase cards before the other ones report as new accounts since they'd only see the inquiries from the other applications (if they pull from the same bureau).TBH, I doubt you'd have any issue getting any of the cards even if you apply for all of them at once as long as you garden for while and have decent income.
Really? Would you think 1 year and reporting 30k income would be enough to qualify for all of them? Would appreciate any more advice if you have more
Awesome insight and personalized info!!! Really, really appreciate the time that you spent on typing all of that out. I will definitely be looking forward to that CLI bump for AMEX (even though I really don't use it that much -- will it affect the CLI?). In regards to heavy usage, I'm actually using the Discover as my primary card now since it has such a low CL, and it is also a 2% flat rate card right now with the double cash back. For the Journey, my dad is using that card for $200-300 grocery spend for our house every month, and I use it wherever Discover isn't accepted. Would it be possible to convert it within 3 months? I hope I can get a CLI in a couple months for all my cards! Thanks once again!