Should I keep getting more CC's

[OmarGB9]

Too many new accounts and inquiries can raise red flags, but it also depends a lot on how thick your profile is.

[Anonymous]

What do you mean by "thick"?

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@OmarGB9 wrote:
Too many new accounts and inquiries can raise red flags, but it also depends a lot on how thick your profile is.

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[OmarGB9]

Age wise. Like length of your credit history, average age of accounts (AAoA), number of accounts, variety of accounts, etc.

[Anonymous]

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@Anonymous wrote:

What do you mean by "thick"?

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@OmarGB9 wrote:
Too many new accounts and inquiries can raise red flags, but it also depends a lot on how thick your profile is.

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Thick = How many cards you have, AAoA etc...  Since you have baddies, most banks that have good travel cards are likely not going to be approving you instantly.  Citi, Chase, Amex etc....

So that is why depending on your travel, you may have to settle for something less until everything is gone from your reports.

[Anonymous]

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@OmarGB9 wrote:
Age wise. Like length of your credit history, average age of accounts (AAoA), number of accounts, variety of accounts, etc.

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You beat me to it..

[OmarGB9]

Haha I'm getting better at this!

[Anonymous]

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@OmarGB9 wrote:
Haha I'm getting better at this!

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You are doing a superb job!!  Keep is up..

[Anonymous]

My student loans are about 7 years old but my oldest credit card is only about 3 years(Military Star card) followed by 1 year(CapOne Quicksilver).    Then a newer one as of 6 months ago(USAA Amex).  The 2 chargoffs fall off in Summer 2017.

[Anonymous]

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@Anonymous wrote:

My student loans are about 7 years old but my oldest credit card is only about 3 years(Military Star card) followed by 1 year(CapOne Quicksilver).    Then a newer one as of 6 months ago(USAA Amex).  The 2 chargoffs fall off in Summer 2017.

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One of the best travel cards is the Chase CSP, Citi AA card etc.  What was the reason given for the denial when you applied for the Chase Southwest card?

[OmarGB9]

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@Anonymous wrote:

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@OmarGB9 wrote:
Haha I'm getting better at this!

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You are doing a superb job!!  Keep is up..

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Aww. 😊 thanks! Lol.

Anyway OP, have you pulled your reports and/or gotten recent scores? That might help you out as well with figuring out where you stand credit wise.