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I plan on going on a mini spree in March. I am looking for a Discover for the 5% cash back rotating catagories, and a Citi Double CB. Provided I get at least one of those I plan to ask Cap One to combine my cards onto the QS1 and get my deposit back from the secured. I would like to PC the QS1 to a QS and avoid the annual fee. The annual fee won't come up until July so should I wait on the PC or ask for now?
As far as my mini spree goes is it best to do the apps the same day?
Current EX Fico 8 699
Current Baddies - 3 120day lates, 1 30 day late
Current Good - Cap One Platninum 500CL (secured), QS1 3300 CL, State Farm Car Loan, AU on Sync Lowes 8400 CL.
Mod note: I've updated your subject to reflect your approvals; feel free to change/edit if you would like. --UB
I don't think there is any harm in asking to PC to QS right now. I did it last month and my AF on my QS1 wasn't due until June but I figured why not.
I do not think you can call 2 card application as a spree, even a mini one. Just a double applications.
Use Discover prequal and grab it on a SP. Then app for Citi card.
wrote:I do not think you can call 2 card application as a spree, even a mini one. Just a double applications.
When you are as conservitive as I am anything more than 1 every six months is a spree.
wrote:I plan on going on a mini spree in March. I am looking for a Discover for the 5% cash back rotating catagories, and a Citi Double CB. Provided I get at least one of those I plan to ask Cap One to combine my cards onto the QS1 and get my deposit back from the secured. I would like to PC the QS1 to a QS and avoid the annual fee. The annual fee won't come up until July so should I wait on the PC or ask for now?
As far as my mini spree goes is it best to do the apps the same day?
Current EX Fico 8 699
Current Baddies - 3 120day lates, 1 30 day late
Current Good - Cap One Platninum 500CL (secured), QS1 3300 CL, State Farm Car Loan, AU on Sync Lowes 8400 CL.
How long ago are the lates?
wrote:
wrote:I do not think you can call 2 card application as a spree, even a mini one. Just a double applications.
When you are as conservitive as I am anything more than 1 every six months is a spree.
Good luck with your spreeing.
If one card application every 6 months is a spree, then 100% of us here are spreeing. We can still stay within 5/24 after all the spreeing.
Ask for a PC on the QS1 now. If an offer isn't available, ask again in a month. Rinse and repeat every month until you're successful. It may take some patience as QS1s aren't easy to PC. Also, use the card for a transaction or two (or more) each month, and make a payment each month. I was able to PC my two QS1s after about 12 or 13 consecutive months of usage. I can't guarantee that there was a connection, but using the card is a safer tack than not using it.