Sorry if it’s a bit long winded, I like an accurate picture...... here goes!
Ok, I’m sure I know the right answer but I’ll ask anyways.
I’d want to add another card to compliment either the CSP or Cash+. However, I dont want AA from Chase and wonder if I should wait...
All the DP’s I can think of:
I’ve been a little aggressive with getting some credit again since I’ve mostly gotten out of the credit score dumpster in the last 2 months, they are as listed:
No recons / denials for:
Avant - 750 Currently reporting 05/2019
USB platinum - 3,500 HP TU currently reporting 05/019 1st acct w/USB
USB Cash+ - 14,000 HP TU 06/2019
Chase Sapphire Prefered - 18,700 HPx2 EQ & EX 06/2019
BB&T - 6,500 SP currently reporting 06/2019
Another BB&T 6,500 approval but no card or shipping info and not showing up in online profile
No prior relationship with any of the above except BB&T (mortgage is with them) and an AU card or 2
Probably doesn’t apply but I’m an AU ON:
Chase Southwest card
USAA card
Discover
Amex, Cap1, Citi, Discover and Sync (ge money days) were burnt in 2012 and I was left too broke to pay attention. Cap1 and Discover are showing PreQuals with hard interest rate nowadays.
I make 85 - 90k /year and travel extensively (as in home 2-4 days a month).
I do have a collection showing on EX & EQ that will come off next month according to EX then my profile will be “clean” with the exception of a 30 day late on an auto loan in June/2013.
Fico Scores and INQ’s are current as of today.
Thanks in advance my FICO family!!!
Ok, I’m sure I know the right answer but I’ll ask anyways.
I’d want to add another card to compliment either the CSP or Cash+. However, I dont want AA from Chase and wonder if I should wait...
All the DP’s I can think of:
I’ve been a little aggressive with getting some credit again since I’ve mostly gotten out of the credit score dumpster in the last 2 months, they are as listed:
No recons / denials for:
Avant - 750 Currently reporting 05/2019
USB platinum - 3,500 HP TU currently reporting 05/019 1st acct w/USB
USB Cash+ - 14,000 HP TU 06/2019
Chase Sapphire Prefered - 18,700 HPx2 EQ & EX 06/2019
BB&T - 6,500 SP currently reporting 06/2019
Another BB&T 6,500 approval but no card or shipping info and not showing up in online profile
No prior relationship with any of the above except BB&T (mortgage is with them) and an AU card or 2
Probably doesn’t apply but I’m an AU ON:
Chase Southwest card
USAA card
Discover
Amex, Cap1, Citi, Discover and Sync (ge money days) were burnt in 2012 and I was left too broke to pay attention. Cap1 and Discover are showing PreQuals with hard interest rate nowadays.
I make 85 - 90k /year and travel extensively (as in home 2-4 days a month).
I do have a collection showing on EX & EQ that will come off next month according to EX then my profile will be “clean” with the exception of a 30 day late on an auto loan in June/2013.
Fico Scores and INQ’s are current as of today.
Thanks in advance my FICO family!!!
@fiinstar, you just might be right - it’s probably the most successful run I’ve ever had and it’s easy to get caught up in the fun of it all and makes the trigger finger all itchy. I know I need the time in the garden, I’m pretty sure I’ve tanked my AAOA and hopefully some time in the garden will yield bigger and better scores / CL’s.
@addicted_to_credit wrote:
@fiinstar, you just might be right - it’s probably the most successful run I’ve ever had and it’s easy to get caught up in the fun of it all and makes the trigger finger all itchy. I know I need the time in the garden, I’m pretty sure I’ve tanked my AAOA and hopefully some time in the garden will yield bigger and better scores / CL’s.
I'm all too familiar with that itchy trigger finger lol. I got 2 cards recently and I have to keep reminding myself that I need to be patient. Typically, if you need to ask whether you should wait, the answer is usually yes. It never hurts to add time in between applications 
@addicted_to_credit wrote:
Sorry if it’s a bit long winded, I like an accurate picture...... here goes!
Ok, I’m sure I know the right answer but I’ll ask anyways.
I’d want to add another card to compliment either the CSP or Cash+. However, I dont want AA from Chase and wonder if I should wait...
All the DP’s I can think of:
I’ve been a little aggressive with getting some credit again since I’ve mostly gotten out of the credit score dumpster in the last 2 months, they are as listed:
No recons / denials for:
Avant - 750 Currently reporting 05/2019
USB platinum - 3,500 HP TU currently reporting 05/019 1st acct w/USB
USB Cash+ - 14,000 HP TU 06/2019
Chase Sapphire Prefered - 18,700 HPx2 EQ & EX 06/2019
BB&T - 6,500 SP currently reporting 06/2019
Another BB&T 6,500 approval but no card or shipping info and not showing up in online profile
No prior relationship with any of the above except BB&T (mortgage is with them) and an AU card or 2
Probably doesn’t apply but I’m an AU ON:
Chase Southwest card
USAA card
Discover
Amex, Cap1, Citi, Discover and Sync (ge money days) were burnt in 2012 and I was left too broke to pay attention. Cap1 and Discover are showing PreQuals with hard interest rate nowadays.
I make 85 - 90k /year and travel extensively (as in home 2-4 days a month).
I do have a collection showing on EX & EQ that will come off next month according to EX then my profile will be “clean” with the exception of a 30 day late on an auto loan in June/2013.
Fico Scores and INQ’s are current as of today.
Thanks in advance my FICO family!!!
What you should do next is .... nothing.
Just keep your accounts current, balances low, no new credit apps.
I would definitely garden for a bit. Quite a bit of new cards so I wouldn't risk adding anything more for now.
