So, I've been a regular lurker of the forums for a couple years now. I've been looking through for someone who has a similar file to see what they're approved for and etc. I haven't found much! So give me your feedback!
I'm looking to apply for Amex BCE, Citi Diamond Preferred, BofA Cash Rewards Card, and a Chase Freedom/Sapphire Preferred (not sure which yet)...
I think these are the only four cards I'm interested in, so I plan to garden indefinitely after I get them!
But, I'm unsure when to apply in relation to getting the best CL. I don't think approval will be an issue, but I can never know for sure.
I'm as follows:
21 y/o, so not exactly a thick file.
$85k income.
EQ Fico: 752, EX Fico: 768, and TU Fico 760 all as of 12/05/14 pulled on here.
Cap 1 secured card opened 11/11 with $350 limit.
Cap 1 QS Mastercard opened 11/12 with $5000 limit.
Local Credit Union card opened 11/12 with $5000 limit.
Auto loan opened 11/12 starting balance 19k- but paid off.
New Mortgage 04/14. 168k.
New Auto loan 5/14. 14k balance. (started 17k).
Discover It opened 4/14 with $6900 limit. (auto CLI last month. starting CL 3500).
All cards combined are under 5% utl. Just made a payment on a couple to lower the utl, so scores might increase slightly, but not much.
Inqs: 2 on EQ, newest in 04/14; 3 on EX, newest 08/14, and 2 on TU newest 08/14.
I was planning on waiting until April 2015 to apply, but I didn't know if it would make much difference to go ahead and app now? Is there any negatives to opening four cards at once? Aside from killing my AAoA. The only things holding me back are the 2 newest inq in Aug, which were due to car shopping again, (didn't buy), the newness of the mortgage and car loan, and the recent CLI from Discover.
Thanks in advance for your feedback!!
