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Suggested Order for CC App Spree

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SOGGIE
Valued Contributor

Suggested Order for CC App Spree

I'm making a suggestion for same-day cc applications for a friend, in the following order: Amex Cash Magnet, Synchrony PayPal MC, BOA Cash Rewards, and lastly, Discover iT. Does anyone think this order of applications should be modified? I appreciate any opinions on this.

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben
Message 1 of 5
4 REPLIES 4
CreditCuriosity
Moderator Emeritus

Re: Suggested Order for CC App Spree

BofA

Amex

then other shouldnt matter w/regards to order imo.

Message 2 of 5
SOGGIE
Valued Contributor

Re: Suggested Order for CC App Spree


@CreditCuriosity wrote:

BofA

Amex

then other shouldnt matter w/regards to order imo.


Thanks CC!

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben
Message 3 of 5
Ficoproblems247
Valued Contributor

Re: Suggested Order for CC App Spree

Are they a current AMEX cardholder? I only ask because if so the CM app would more than likely be a SP, then the second lender you apply to wouldn't see that if you used it as the first. That's what I did when I apped BCP and Freedom back to back. Neither lender saw an inq from the other because I chose to do the BCP first. 





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 4 of 5
SOGGIE
Valued Contributor

Re: Suggested Order for CC App Spree


@Ficoproblems247 wrote:

Are they a current AMEX cardholder? I only ask because if so the CM app would more than likely be a SP, then the second lender you apply to wouldn't see that if you used it as the first. That's what I did when I apped BCP and Freedom back to back. Neither lender saw an inq from the other because I chose to do the BCP first. 


No. They will be a first time Amex appear.

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben
Message 5 of 5
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