Safe to Apply Twice in A Day?

[Anonymous]

For sure man, I'm actually getting the PayPal setup explicitly for the 2% on debit transactions: I'm getting the Spirit Air MasterCard for general credit transactions (2x spirit miles on all purchases) regardless - it seems to be quite a lucrative card *if* like me you 1. Can easily avoid the airline's fees, 2. Fly out of one of
their major hubs (I fly out of DFW - their second largest hub but also it's centrally located, which is perfect cuz their rewards redemptions are mileage based), and 3. Have no problems working around their off peak dates (my schedule is flexible enough, and it's still like 130 days out of the year, sometimes several consecutive weeks like entire months). For me, the value of 2 Spirit miles should be more than 3% CB.

Even if they do nerf the 3% setup in the future, with the PayPal cash back card youd still have a 2% card that's easier to get CLIs on and likely easier to qualify for in the first place than the Citi DC.

[Anonymous]

I've found chase to be quite lenient in my experience. While some people have had a hard time being approved for their cards even with great profiles, my story has been the opposite. I was approved for the CFU with a $1800 limit with only 3 months of history (Literally 3 months since I got my first ever credit card). It's now been 8 months since my first card, and I have got pre-qualified offers on all 4 cards (except CSR) on the chase pre-qual page. So you never know! With your profile I'm guessing it shouldn't be difficult to get the CFU.

[Anonymous]

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@Anonymous wrote:

I've found chase to be quite lenient in my experience. While some people have had a hard time being approved for their cards even with great profiles, my story has been the opposite. I was approved for the CFU with a $1800 limit with only 3 months of history (Literally 3 months since I got my first ever credit card). It's now been 8 months since my first card, and I have got pre-qualified offers on all 4 cards (except CSR) on the chase pre-qual page. So you never know! With your profile I'm guessing it shouldn't be difficult to get the CFU.

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That's incredible to hear and looks like you're off to a great start to your credit journey. When you say that it was three months since your first card when you were approved for the CFU, I assume you did not have any AUs associated to your report as well? If so, I'm more optimistic since my profile is pretty similar to yours if not slightly older.

[Anonymous]

Nope, wasn’t an AU on any other card either. I moved to the US in August, with no prior connection to credit cards whatsoever. The only reason I can think of regarding my approval is that I had deposited a substantial amount in my savings account at the time ($15k+). Maybe that was the deciding factor?