To apply or not to apply??!

[Anonymous]

I need y'all guidance. I'm new to cc's, just got my 1st "group" of cc's after stalking this site for 2 months.

Cap1 Venture one - sl 1k (1/30/19)

Citi DC- sl 3500 (2/1/20)

NFCU cash Rewards - sl 700 (2/12/20)

Before cc apps,

Ex FICO 8 659

EQ FICO 8 640

TU FICO 8 670

INQ=7😳

** scores from EX credit monitoring

Got an alert from EX today, score went up to 684! Citi already reported cc with zero bal ( I haven't even received the card yet!) Cap1 has yet to report, expects it to report 2/20, as that is my statement date. I know NFCU won't be reporting yet, as I've gathered in this forum that they take 45 days plus to report (haven't received the card yet, as well). I have a citi AA card, on which I'm an AU, 17k, 75% utilization (I know, I know), which we just brought down to about 50 percent but that statement bills 2/24. 
My question is, I got preapproved for Discover 2 days ago and I'm wondering if I should go for it. My inquiries are already high, and I plan to "garden" for 12 months anyway. Should I app for the discover as well, or call it a day and garden? I don't plan to app for any new cc's after this for at least a year, I might request a cl in 6 months for all of them though. Your expert advice is needed please. If there's any more info needed, please let me know.

[Anonymous]

I would just go for the Disco. It's a great card to grow with and if you're intending to garden after that, you'll have a nice stack of cards to keep you happy for awhile. 

[AllZero]

It'll be hard to garden when the 2nd Navy card will be calling your name in 91/3. 

[Anonymous]

You might as well go for Disco since you have a preapproval. If you choose to apply though, I'd let that be your last inquiry for awhile regardless of the outcome and garden. Good luck!

[Anonymous]

Thanks for taking the time to reply! That's what I was thinking as well ( the disco card) My concern is that I hear that they are quiet the "jealous lover" and citi already updated my EX CR. Do you think that would lower my chances of getting the card?

[Anonymous]

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@Anonymous wrote:

Thanks for taking the time to reply! That's what I was thinking as well ( the disco card) My concern is that I hear that they are quiet the "jealous lover" and citi already updated my EX CR. Do you think that would lower my chances of getting the card?

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If you still have the prequal, your chances are good. They tend to be jealous on second cards, not first ones. 

[gingerflower]

I would definitely go for it with Discover then after Approval  head to garden...Good Luck!

[jberry]

If you already got the preapproval yes go for the Discover Card