myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

A newbie's CC application story: 5 cards in 3 months

tag
Get Access Now
creditFiend
Established Contributor
‎04-09-2014 01:25 PM
‎04-09-2014 01:25 PM

Re: A newbie's CC application story: 5 cards in 3 months

Congrats on the approvals, & being persistent!
Garden some months & let your accts age for future approvals.
Last app: 2/21/2016
Amex PRG (NPSL)| Amex Hilton Surpass ($17.6K)| Barclays Arrival WEM ($13K)| Barclays SM ($11K)| Capital One QS ($15K)
CareCredit (15.6K)| Chase CSP ($12K)| Chase Hyatt ($5K)| Chase FU VS ($7K)| Chase Ritz ($16.7K)| Citi DC ($2.4K)
Discover It ($4K)| Lowe's ($17K)| MSUFCU ($5K)| Nasa FCU ($20K)| Navy Cash Rewards ($20K)| Navy CLOC ($15K)
PenFed Thrifty ($500)| USAA Rate Advantage ($7K)
Message 11 of 14
0 Kudos
TiggerDat
Valued Contributor
‎04-09-2014 04:09 PM
‎04-09-2014 04:09 PM

Re: A newbie's CC application story: 5 cards in 3 months

Congrats, now wait six months!

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Message 12 of 14
0 Kudos
treefidy
Member
‎04-09-2014 05:29 PM
‎04-09-2014 05:29 PM

Re: A newbie's CC application story: 5 cards in 3 months

tough video game that has no end in sight

Goal 10/9/14
Gardening Since 4/9/14



Message 13 of 14
0 Kudos
sexy_kitten7
Regular Contributor
‎04-10-2014 06:54 AM
‎04-10-2014 06:54 AM

Re: A newbie's CC application story: 5 cards in 3 months

You're exactly right that you should wait at least 91 days between AORs. Applying for new credit 3 months from your last inquiry should be fine, since you will have a FICO score by then. I would wait until your FICO is above 700 to try the SPG and Freedom again, since your file is so thin. The CSP is definitely a premium card so I would wait at least a year.


Quicksilver MC / Amazon.com / Better Balance Rewards Visa / Freedom / Dividend / Quicksilver Visa / Cash+ / Thank You Preferred / Blue Cash Everyday / Better Balance Rewards MC / BankAmericard HRC Cash Rewards / It / Arrival / FlexPerks / Platinum AAdvantage / MileagePlus Explorer / LifeMiles
Message 14 of 14
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.