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App now or later? Update: Approved

Valued Contributor

Re: App now or later?

Personally, if you can hold off for a few months, I would, but that is upto you. IMHO, I'm more conservative and wouldn't take the chance but then again, what's the harm in trying? The most that will happen is a denial.

Scores - All bureaus 770 +
TCL - Est. $410K
Message 11 of 15
Senior Contributor

Re: App now or later?

@Anonymous wrote:

Thanks, guys!  


I apped for the AMEX BCE this morning - approved with a limit of $6,000!  My poor Experian score is taking a beating, LOL, down to 778.  But, now I have three decent cards to AZEO garden with.   I'm going for a DCU Savings Secured Loan next, maybe after taxes.  I'll take your advice and hold off on the Citi DC until later this year.  


This forum is the BEST.  I don't know of any other place where people are so invested in seeing other people succeed.  You guys are all heroes.  


awesome congratulations GIF by Slanted Studios

See, that wasn't so hard to accomplish!


You are on your way now with 2 Successful apps this week!


CONGRATS on the AWESOME SL and Welcome to the AMEX family!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 12 of 15
Not applicable

Re: App now or later? Update: Approved

Not too shabby at all! Congrats on your approval!

Message 13 of 15
Not applicable

Re: App now or later? Update: Approved

Thanks, everyone!  I appreciate everyone's valuable input.  


I think I'm going to stop for now.  I'd rather not have the two hard inquiries from Citi, and I will have an HP coming from the DCU SSL.  As little as 6 or 8 months out, I may need to apply for a huge personal loan to cover my business deal disaster.  Gotta have a bit of age on everything at that point, and I have two cards that I can put at least some on at 0% for over a year if the worst comes to the worst.


Ever onwards!   

Message 14 of 15
Not applicable

Re: App now or later? Update: Approved

Congrats on both approvals and very nice SL's !!!


Message 15 of 15
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