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my amex 3x cli is coming up next month, i wanted to app for a BOA cash-rewards after that, but they've got new rules!
"If you have 3 new cards in the past 12 months, your application will be denied." new BOA rules
LUCKILY, my amex card hasn't hit my reports yet, it will show up on nov2.
strategy: if i app immediately they'll see an 8mo old mastercard, a 5mo old discover, and an inq for amex but not the actual open acct. will this give me a good chance to be approved? they'd pull EX: 715 (2 inqs).
i might press my luck and app for the uber card too, they'd pull TU: 739 (no inqs).
i know barclay can cancel your card if you app for cards after theirs, but they don't always do that and if the inqs are already there at approval time i think it's less risky?
Your file is extremely thin. May I ask why you keep applying for CCs instead of letting the ones you have age? You already have an impressive lineup.
With russian roulette, you only pull the trigger once, not twice.
IMHO, pick one
i still have a few apps i can do before i hit the garden, the card i know i must garden for is the usbank cash+.
i'm not worried about getting a small limit at BOA, i just want in the door. right now i might have a chance, if i wait then i'll be locked out for over a year. uber might not care if i'm 4/12 so i could app them after the amex reports.
@Anonymous wrote:
You’ve been into credit for eight months and already have four cards. Now is the time to stop.
i just have 3 cards, the 4th card is the one i want to app for. i was feeling confident that i'll be approved for it so i added it to my sig already.
@Anonymous wrote:my amex 3x cli is coming up next month, i wanted to app for a BOA cash-rewards after that, but they've got new rules!
"If you have 3 new cards in the past 12 months, your application will be denied." new BOA rules
LUCKILY, my amex card hasn't hit my reports yet, it will show up on nov2.
strategy: if i app immediately they'll see an 8mo old mastercard, a 5mo old discover, and an inq for amex but not the actual open acct. will this give me a good chance to be approved? they'd pull EX: 715 (2 inqs).
i might press my luck and app for the uber card too, they'd pull TU: 739 (no inqs).
i know barclay can cancel your card if you app for cards after theirs, but they don't always do that and if the inqs are already there at approval time i think it's less risky?
Well, I glad I don't have any bank accounts with them or I would have seen that rule of my denial letter that just came in a couple of days ago.
I haven't heard of BoA been a relationship company for loans or any favor it bring vs a credit union. I know Chase is another story.
@Anonymous wrote:
@Anonymous wrote:
You’ve been into credit for eight months and already have four cards. Now is the time to stop.i just have 3 cards, the 4th card is the one i want to app for. i was feeling confident that i'll be approved for it so i added it to my sig already.
Information in your signature line is so forum members can see your info without having to ask you for it. I have goal cards and dream cards listed. I do not put cards in my tradelines until I have them.
As ImTheDevil has stated, you have an awesome resource in the collective knowledge of this forum. Heed their advice or do what you want, however, why ask for advice if you are not going to heed it?