Read about app sprees, but...

[Anonymous]

what would be a good time frame between applying. DH got a new Walmart card in Nov. and is looking to get couple of CapOne. Don't have many HPs, but was wondering if giving a few months between as opposed to all in one day apping makes any difference. I know the 2 yr  time frame of HPs and that scores change all the time.

Tks for any answers.

[SouthJamaica]

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@Anonymous wrote:

what would be a good time frame between applying. DH got a new Walmart card in Nov. and is looking to get couple of CapOne. Don't have many HPs, but was wondering if giving a few months between as opposed to all in one day apping makes any difference. I know the 2 yr  time frame of HPs and that scores change all the time.

Tks for any answers.

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I think it's best to proceed slowly & gradually, keeping inquiries to a minimum, and allowing accounts to age.

[NRB525]

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@Anonymous wrote:

what would be a good time frame between applying. DH got a new Walmart card in Nov. and is looking to get couple of CapOne. Don't have many HPs, but was wondering if giving a few months between as opposed to all in one day apping makes any difference. I know the 2 yr  time frame of HPs and that scores change all the time.

Tks for any answers.

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Does DH have any capital one cards at all?

If not, then I would suggest apping for only one to see how it goes. Get a start with Capital One to show them usage and payment activity, even if the card has a low limit, and then in 6 months or a year, if the CLI are slowing down or not improving the limit, then look to app another CapOne card to leapfrog to the next level. Keep a Capital One card open, always, and your next Capital One card is very likely to be much higher limit.

Generally I have to go slowly in apps, because the spend bonus requirements take all my focus for the latest card.

[Anonymous]

Keep inquiries to a minimum, yes I suppose.  But then you are stuck with a capital one product that does not grow with age. APR reductions are hard to come by, and decent sized CLIs are as well.

I would rather you go with Bank of America, even if its secured or joint.  They will gladly increase your credit, let you reconsider the amount the computer offers, and also reduce the APR.

If I could start all over again, I never would have app'd for credit one or capital one.

[Anonymous]

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@Anonymous wrote:

Keep inquiries to a minimum, yes I suppose.  But then you are stuck with a capital one product that does not grow with age. APR reductions are hard to come by, and decent sized CLIs are as well.

I would rather you go with Bank of America, even if its secured or joint.  They will gladly increase your credit, let you reconsider the amount the computer offers, and also reduce the APR.

If I could start all over again, I never would have app'd for credit one or capital one.

Hmmm, interesting. our car loan is with them and it's in his name. (my credit score really sucked back in 2012 so I couldn't get on the loan. Happy about that now - wasn't then.) There is a 30-60 late on it from Oct and Nov 2013. I recently sent a GW and got a letter back to dispute the lates. I haven't answered it yet. We aren't disputing them just asking for some luv. He had an accident about that time that caused great stress and added medical bills. I'll check them out. Thanks

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[Anonymous]

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@Anonymous wrote:

what would be a good time frame between applying. DH got a new Walmart card in Nov. and is looking to get couple of CapOne. Don't have many HPs, but was wondering if giving a few months between as opposed to all in one day apping makes any difference. I know the 2 yr  time frame of HPs and that scores change all the time.

Tks for any answers.

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There is no definate answer to this thus, whether to do an app spree or not to do an app spree.  Personally, I spread them out and access my needs as I go along.  That being said, take your time applying for the cards as it does not make a difference.