what cards?

[FinStar]

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@dunn2500 wrote:

yeah i pre qualified for petal card earlier today....both petal cards actually but the petal 2 would be fine...

i did see it has decent reviews......what is EX IIRC?

i did see on another thread about the 3 HP for cap one..... maybe just petal 2 for now?

my thinking is just to get 3 cards (total) and get them done so age starts accumulating and inq will fall off sooner rather than later.....not planning on getting any loans or applying for credit for along time if i have 3 CC and auto loan (next 5 yrs) but if i can achieve the same results with 2 cards plus auto i would like to save 3 inq..........

 if i get another card say in 6 months or 1 yr it resets AAOOA i believe, where i would take bigger hit now but it would fade out over time......

i saw other thread where a person started out "thick and new" and it wouldnt be good for mortagage soon but in 1-2yrs all of inq would have faded away 

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EX = Experian

IIRC = If I Recall Correctly 

Also, great advice by @Anonymous above.  Definitely try out Petal 2 see how that works out and just let things age.  In about ~6 months to a year, re-evaluate things and you can try NFCU.  At some point, you may consider getting rid of Credit One (up to you) given it may not grow much + those monthly/annual fees.

[dunn2500]

thanks, ill try petal card.......credit one goes buh bye as soon as i get decent amount of time on other ones

if i could go back to 2019, i would do things alot more differently for sure

[FinStar]

Sure thing @dunn2500.  Good luck with Petal and let us know how it turns out.

[dunn2500]

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@Anonymous wrote:

@dunn2500 Since you are with Navy FCU, I would wait 6 months and apply for one of their cc's (not the flagship). If you applied now, I feel like there is a chance you would either get a $1000 sl or a denial. Navy pulls TU Fico 9. 

If you did get denied, you can apply for the secured card which has the potential to graduate in 6 months.

Either way, I would allow those inquiries to age for 6 months. For fico scoring purposes, if auto/mortgage inquiries are made within 14 days and coded properly they count as 1 inquiry on your score. 

Financial institutions can and will view those inquiries separately and will sometimes deny you for too many inquiries. With some FI's that offer recon, you might be able to explain those.

I would say that there is no rush to get all of your cards. Good luck with whatever you decide.

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yeah thanks, i think just petal for now and in 6 months something else

thanks all for the help!