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bad time for me to go on an app spree?

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Christina_xyt
Established Contributor

bad time for me to go on an app spree?

It will be a mini spree (at least i think so) and I want the following cards.. 

 

1. chase freedome for the $200 sign up bonus I have been waiting for so long! I think I am 90% sure that I will get approved since I have beeen receiving the offer for more than half a year.. got their invitation every other week. and the card showed up on their site when i tried the prequalified link. And I heard that its usually pretty accurate on chase's prequalified site.

2. upromise card for the $100 first use bonus... this might not be as easy as freedome.. barclay doesn't like inquiries and new account.. i have two new accounts ( one of them is sallie mae) in May and one new account in June this year. The sallie mae will turn 6 months at this month by 20th or so.

3. Amex blue cash everyday...no specific reason.. just want an amex card and this is the one suits me i guess since i don't like an af card.

 

Ex fico score 732, 4 inquiries on the report.. 2 within the last 12 months.. 0 within the six months i think (my last ex inquiries was for fidelity amex which was app on may 2nd.. so i guess the inquiry was done around early may, i can only see it was in 5/2014 on credit.com)

TU fico score 745 (on barclay site 10/31/2014) 7 inquiries in total on the report.. the latest two were around 5/22/2014 when I apped for SM and request a cli on fidelity amex.... another one was in March this year.. so total 3 in the last 12 months..

 

aaoa is 10 months.. with 7 accounts in total.. no loan.. i usually keep my utility low but i wasn't planning on apping so i was stupid let my fidelity reported 20% usage at the beginning of this month.. ugh...

 

no idea about EQ but I would say it's not going to be much worse than EX considering most of my inquiries were on EX and TU.. there is probably only one inquiry which was over 12 months on EQ..

 

I started to garden since 6/23/2014...

 

Do you guys think that I can do the app spree any time soon? maybe after a week or so? if so, which card I should app first and then which? any thoughts or comments are appreciated. Smiley Happy 


In sequence of approval, Last app/inquiry 5/30/2015
Message 1 of 28
27 REPLIES 27
Anonymous
Not applicable

Re: bad time for me to go on an app spree?

 

 

Maybe you should wait until you are liquored up, during Thanksgiving, and give it a go?Smiley Tongue

 

 

Message 2 of 28
Christina_xyt
Established Contributor

Re: bad time for me to go on an app spree?


@Anonymous wrote:

 

 

Maybe you should wait until you are liquored up, during Thanksgiving, and give it a go?Smiley Tongue

 

 


yea, that's something that i am considering.. i am not going to do it like right this moment or tomorrow. I just really want to do it in the next week or at the end of this month or the latest is at the beginning of Dec.. the bonus doesn't wait.. lol


In sequence of approval, Last app/inquiry 5/30/2015
Message 3 of 28
Anonymous
Not applicable

Re: bad time for me to go on an app spree?


@Anonymous wrote:

 

 

Maybe you should wait until you are liquored up, during Thanksgiving, and give it a go?Smiley Tongue

 

 


LOL

Message 4 of 28
Anonymous
Not applicable

Re: bad time for me to go on an app spree?

I'd wait until christmas, so you get the 6 months of gardening. Do them all within 10 minutes of each other, but uPromise first, then freedom, then BCE. 

Message 5 of 28
Anonymous
Not applicable

Re: bad time for me to go on an app spree?


@Christina_xyt wrote:

@Anonymous wrote:

 

 

Maybe you should wait until you are liquored up, during Thanksgiving, and give it a go?Smiley Tongue

 

 


yea, that's something that i am considering.. i am not going to do it like right this moment or tomorrow. I just really want to do it in the next week or at the end of this month or the latest is at the beginning of Dec.. the bonus doesn't wait.. lol


 

 

Unless you are usually a big spender, you should get the cards as soon as possible so you can use them and get the bonus during Xmas spending.  So, I would start taking my first Vodka-Tequila Margarita about NOW...

 

 

Message 6 of 28
MoreRewards
Established Contributor

Re: bad time for me to go on an app spree?

Yup Chase seems very accurate so you will probably get that one easy.
I'm not sure about Amex being 100% but from the info you gave you should have a chance.
Heard bi polar things about Barclays so I can't say. I got approval with new accounts & inquiries but other people with less were denied for new accounts & such.
EQ 773 * EX 786 * TU 797
Message 7 of 28
Anonymous
Not applicable

Re: bad time for me to go on an app spree?


@Anonymous wrote:

 

 

Maybe you should wait until you are liquored up, during Thanksgiving, and give it a go?Smiley Tongue

 

 


I like your approach.  Might have to try that.

Message 8 of 28
MoreRewards
Established Contributor

Re: bad time for me to go on an app spree?

I don't need to be anywhere near app liquored up who knows how that would end. You guys must have better self control under intoxication.
EQ 773 * EX 786 * TU 797
Message 9 of 28
Anonymous
Not applicable

Re: bad time for me to go on an app spree?


@MoreRewards wrote:
I don't need to be anywhere near app liquored up who knows how that would end. You guys must have better self control under intoxication.

Instead of waking up the next morning in bed with someone you don't know in this case you wake up with 6 approvals and 15 declines and a score drop of 100 points

Message 10 of 28
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