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Question on timing for credit card apps

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Anonymous
Not applicable

Question on timing for credit card apps

Looking for guidance for timing of some apps.  I was at 0/12 and 3/24 status last month.  I had been waiting to apply for US Banks Cash+ until today and just applied and got the typical "reviewing your application" prompt. 

 

In terms of improving success with other applications I'm not sure if I should apply for the other cards I've been eyeing today or wait until US Bank gives an answer.  The two others I want to apply for are a 2nd BofA Cash Rewards (I'm platinum honors and already have and love this card) and possibly the Verizon card.  

 

Thanks

Message 1 of 6
5 REPLIES 5
M_Smart007
Legendary Contributor

Re: Question on timing for credit card apps

@Anonymous, IMHO, I would go ahead and apply, would not wait for US Bank's decision.

 

Message 2 of 6
randomguy1
Valued Contributor

Re: Question on timing for credit card apps

Which CB did US Bank pull for you? BofA will probably pull Experian. Good luck on the apps. 

Message 3 of 6
pinkandgrey
Senior Contributor

Re: Question on timing for credit card apps

I would just go for the other card now. US Bank's decision won't really have any effect until the new account shows up anyway. (Assuming it's approved)

 

Good luck! 

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Message 4 of 6
Anonymous
Not applicable

Re: Question on timing for credit card apps

Unfortunately the only one I think they pulled is experian...

Message 5 of 6
coldfusion
Credit Mentor

Re: Question on timing for credit card apps

If USBank already pulled EX you might as well go ahead and app for the Cash Rewards card now.   Odds are that BoA will pull EX but occasionally they'll mix it up and pull TU for an app.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 6 of 6
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