|Total CL: $306.1k||UTL: 3%||AAoA: 6.8yrs||Baddies: 0||Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping|
Actually, Capital One is a little inquiry sensitive. Maybe not 5 sensitive, but definitely over 10 sensitive. I told someone this the other day, I think, but a friend of mine was turned down by Capital One last week for too many inquiries on her Experian report - it specificially named that report, and that was the only reason listed. Though I love how it was an e-letter instead of a snail one. Just thought I'd throw that out there. But Amex is definitely not inquiry sensitive.
So, to clarify, all you want is the strategy behind your selected app spree? You are telling us not to worry what your scores willl look like?? One thing that is hard in not knowing what your current pofolio looks like. Have you burned any of these lennders in the past? It is hard to gauge what your odds of approval with these choices youve made without more info. What is your income level? What is your AAoA? Personally, i can not help you myself as i am an expert on destructive behavior. But one thing i have learned is that there are EXCELLENT minds on this forum all you nneed to do is give them more info to work with. < rant over >
Definitely get Chase out of the way first. I didn't think the Sallie Mae was still available? Citi would be right behind Chase.
Amex would be third and then Capital one. Double app Chase and Capital one if they have another card you find useful.
The only card listed that's not pulling EX is the Barclay's. Barclay's should come after Chase and before Capital One. Since Cap one pulls all three CBs.
You could hit Barclay's first. Just app Chase before the account reports . Barclay's reports extremely fast. It will hit the CBs before you receive the card in some cases.
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
CITI DOUBLE CASH
I know I am forgetting a couple. If I need to answer any additional questions just let me know! (Hopefully this question makes sense)
Did I miss something with the Sallie Mae card? I thought that was a discontinued product?
If you wanted both BCP and Freedom, can any of the experts here say whether it would be possible to do both of those with one pull? You might also check which bureau's each bank tends to pull, to try and spread out the pain...I mean the HP and hit to your FICO. Also, what is your current AAoA? I wouldn't want to tank a low AAoA with a bunch of new accounts. It might be best to pick and choose which product makes the most sense and not go for them all.
Okay, all that said - I app'd for BCP, CSP, Citi DC (was actually PC, not cold app), and Sallie Mae last year and got them all. I passed on Freedom (not sure how I would use it) and Venture (again, not sure of the benefits and how I would avail myself of them when I also applied for an Arrival+ card last year as well). So yeah, OP, I get where you're coming from.
Edited to add: I basically went nuts applying last year and have been planted firmly in the garden since then. I don't want to spook anyone, and nothing has come along that was tempting enough to lure me out of the garden...yet!