@Anonymous wrote:
So I have been rebuilding since May 2015 approximately and because of baddies and timing, I will have 0 inquiries and 0 baddies and 0 new accounts at the time of app spree. So I want to make an efficient app spree and I want to have a plan going in. I will list the cards I want and hopefully someone might be able to tell me the most efficient way to apply for these:
Blue Cash Prefered
CSP
FREEDOM
CITI DOUBLE CASH
Venture Card
Sallie Mae
I know I am forgetting a couple. If I need to answer any additional questions just let me know! (Hopefully this question makes sense)
The Chase cards (CSP and Freedom) likely want to be first, perhaps on the same day.
Are there two Amex cards you like? Depending on your spending the BCE may be more efficient. (while it earns less, BCE has no annual fee) I haven't looked for a link for the "Old Blue Cash" card in a while... but if you could find one, that would be promising. Perhaps SPG?
The Sams MC is useful for its 5% on gasoline and 3% on travel rewards. Costco is switching to Citi Visa as of 6/20.
The Sallie Mae card is discontinued, but perhaps you meant the UPromise card?
I would save Capital One for last because they are less sensitive to inquiries and new accounts, and because Capital One will typically pull all three major bureaus.
If you're talking about efficiency, applying for two cards from the same issuer, if reported the same way, is efficient per HP. Synchrony and Comenity tend not to do this, so even though it's the same bank, the inquiry will be transmitted to the bureau in a manner that identifies each individual request. (e.g SYNC/GAP, SYNC/ON, SYNC/BR)
I was going to garden... Honest!
