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Thank you to everyone who posts in these forums: your info is always helpful and encouraging.
I went on a bit of an app spree last week and here are the results (good, bad and ugly):
Chase Sapphire Reserve: Approved, $17,000
PenFed Platinum: Approved, $20,000 (but required sending tax returns, quickly approved after that)
Amex Hilton Surpass: Approved, $1,000 (rendering it basically useless since any Hilton stay of more than a few nights would take a deposit for more than that)
Citi Costco Business: Declined (Citi apparently doesn't like me - nothing shows up on the prequal site either)
Amex SPG Business: Declined (I called for reconsideration and they said it might require another hard pull, so I passed on that)
All three of my scores are in the 690 range. Now to the garden for a few months or longer.
WoW, nice SLs. Congrats.
You had a really good day , Congrats
Congrats!
Congratulations, especially on snatching CSR. Nice card!
Though... isn't it a bit dangerous to app for 5 cards in such a short time? I am a little nervous that I have 7 inquiries on my Experian report all this year.
@Absolution16 wrote:Congratulations, especially on snatching CSR. Nice card!
Though... isn't it a bit dangerous to app for 5 cards in such a short time? I am a little nervous that I have 7 inquiries on my Experian report all this year.
@Congrats to OP on the CSR, great card! @Absolution16 - Spree's aren't for everyone and YMMV. I did a 12 card spree between May 3-10th. Approved for 10 of 12. Almost all cards have been used, bonuses met, and several have received CLI's since. I also PIF almost everything every month with about $7000 in usage between cards. each month. I would probably have had some Adverse Action if I had just charged small amounts or if I had run up the cards and carried balances.
@Absolution16 wrote:Congratulations, especially on snatching CSR. Nice card!
Though... isn't it a bit dangerous to app for 5 cards in such a short time? I am a little nervous that I have 7 inquiries on my Experian report all this year.
You have nothing to worry about unless you intend to finance a house or vehicle within two years from the date of the inquiries. There are a handful of banks that are sensitive to inquiries (Citi and Barclays come to mind) and many more who consider the rest of your credit file to be much more telling.
Some people here blow inquiries out of proportion.
Even if you do intend to take out a mortgage or an auto loan, you probably won't get denied for having a few inquiries. Lucy might got some 'splainin' to do for those inquiries but I don't they'll ruin your chances.
Congrats!