I applied today for three cards, I tried to garden but I wanted to get a few cards before lending got tight on new approvals and CLI.
I started the day 3/24 and was concerned about the Chase 5/24 rule so I did the following:
Applied for Amex BCE approved for 6k then applied for Chase Freedom approved for 4.8k and finally Discover IT CB approved for 4k
I am done now for a good while, I can start gardening hear for at least 12mo is the goal. At that point the HP from March 2019 will fall off.
At the time of HPs my Experian FICO Score 8 was 756.
After all three pulls were done my score dropped 6 points to 750.
All three cards were instant approvals, and I had been prequalified for all cards before applications as well. However, Discover would not tell me my limit until I chatted them online. I am going to try the Amex 3x SP CLI at 61 days. Also, when possible try the double dip on Discover. Any feedback afterwards is greatly appreciated. After today, I will have 8 inquiries in the last 24 months: 6 for new accounts that were approved, 1 for a mortgage preapproval, and 1 for a WF CLI. I have to start watching my AAoA which before today was 5yrs 8months, after wrecking my credit 5 years ago and rehabbing in a focused way.
Current Accounts:
Opened 2014:
WF Platinum - 900
Opened 2019:
Capital One V1 - 6000
Capital One QS - 3500
Citi DC - 8400
Opened 2020:
Amex BCE - 6000
Chase Freedom - 4800
Discover IT - 4000
Congratulations on your approvals!
@ActiveTraderNQ100 wrote:I applied today for three cards, I tried to garden but I wanted to get a few cards before lending got tight on new approvals and CLI.
I started the day 3/24 and was concerned about the Chase 5/24 rule so I did the following:
Applied for Amex BCE approved for 6k then applied for Chase Freedom approved for 4.8k and finally Discover IT CB approved for 4k
I am done now for a good while, I can start gardening hear for at least 12mo is the goal. At that point the HP from March 2019 will fall off.
At the time of HPs my Experian FICO Score 8 was 756.
After all three pulls were done my score dropped 6 points to 750.
All three cards were instant approvals, and I had been prequalified for all cards before applications as well. However, Discover would not tell me my limit until I chatted them online. I am going to try the Amex 3x SP CLI at 61 days. Also, when possible try the double dip on Discover. Any feedback afterwards is greatly appreciated. After today, I will have 8 inquiries in the last 24 months: 6 for new accounts that were approved, 1 for a mortgage preapproval, and 1 for a WF CLI. I have to start watching my AAoA which before today was 5yrs 8months, after wrecking my credit 5 years ago and rehabbing in a focused way.
Current Accounts:
Opened 2014:
WF Platinum - 900
Opened 2019:
Capital One V1 - 6000
Capital One QS - 3500
Citi DC - 8400
Opened 2020:
Amex BCE - 6000
Chase Freedom - 4800
Discover IT - 4000
Nice trifecta!! All good cards with growth potential!! Chase only does HP CLI, but show auto CLI with heavy use.
YES! See, I told you I like reading the approval threads and you certainly did not disappoint! JK 😂 But seriously though, congratulations on some really outstanding pick ups!
Congratulations!
Cheers! Congrats on your....
On Deck: New Truck Oct. '23
Congratulations on your approvals! 👍
