Should I apply to USBANK Amex for 2 cards instead of 1 ?

[Anonymous]

Final stretch for my USBANK app . Scores are now EQ 785 Ex 796 TU 780 . No inq , baddies , etc , pos history going back 25 years on all CRA except TU which is 12 years . I've had a banking relationship with US Bank for maybe 7 years . Weakness is only two open accounts . One a secured loan of $500 . 7 months old , other is I am an authorized user on US Bank card CL $13500 . Utilization currently 6 % age of USBANK Account 2011

I am Prequalified for USBANK on their website with a big ole red band under the US Bank Cash + Visa Signature , as well as receiving the same offer in the mail . The US bank rep tells me I can apply for 2 or more cards with a single pull . The CL on the Cash + is $5000 minimum . I would like to apply for one of their other cards as the interest rate is relatively low at 13% . I am worried that that may be pushing it , as I've read some lenders may view this as dicey . Some say my file is thin , at least the active side which I would agree , but the CRA that will be pulled I believe will have a 25 year history of 2 or 3 posiitve accounts .

Ditto for Amex . Prequalified on website and in mail . Wondering if I should apply for 2 cards because of the single pull , or am I pushing it ?

Thanks in advance !!!

[Anonymous]

If you want the 2 cards and it's only 1 HP, why not go for it? But make sure you want, and will use, both. Get the cards that fit your spend.

[Anonymous]

---

@Anonymous wrote:

Final stretch for my USBANK app . Scores are now EQ 785 Ex 796 TU 780 . No inq , baddies , etc , pos history going back 25 years on all CRA except TU which is 12 years . I've had a banking relationship with US Bank for maybe 7 years . Weakness is only two open accounts . One a secured loan of $500 . 7 months old , other is I am an authorized user on US Bank card CL $13500 . Utilization currently 6 % age of USBANK Account 2011

I am Prequalified for USBANK on their website with a big ole red band under the US Bank Cash + Visa Signature , as well as receiving the same offer in the mail . The US bank rep tells me I can apply for 2 or more cards with a single pull . The CL on the Cash + is $5000 minimum . I would like to apply for one of their other cards as the interest rate is relatively low at 13% . I am worried that that may be pushing it , as I've read some lenders may view this as dicey . Some say my file is thin , at least the active side which I would agree , but the CRA that will be pulled I believe will have a 25 year history of 2 or 3 posiitve accounts .

Ditto for Amex . Prequalified on website and in mail . Wondering if I should apply for 2 cards because of the single pull , or am I pushing it ?

Thanks in advance !!!

---

I've applied for 2 US bank cards for one pull and I was told by a US customer rep via chat after my instant approval for the first card that applying for 2 US bank cards in one day will automatically make the second app a manual review. If you are prequalified for both and don't mind waiting 3 days for a manual review of the second app, I say go for it! Maybe make the card you want the most your first app though~ Good luck!