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Possible App Spree. Chances?

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Tsuyoi
Valued Member

Possible App Spree. Chances?

So my most recent two cards turn 6 months this weekend and I'm looking to use this time to complete my card collection for the foreseeable future.  In the 6 months since I've had these new cards I've cleared my reports of all collections through GoodWill letters and seen marked improvements in my scores (+80 points EX, +60 points EQ, +40 points TU) as well.  The cards I'd like to apply for are:

 

Chase Sapphire Preferred - Looking to head to Japan for a vacation this summer and will be traveling to conferences now for work so I wanted a travel card.  I've had a banking relationship with Chase for ~4 years and the Freedom for 6 months, carried a small balance for 2, PIF the rest.

 

American Express Blue Cash Everyday - I'd like to start a relationship with AMEX now that my EX is in good shape.  I'm looking at the BCE because I'd rather not have to deal with points and gift cards, just simply a cash-back card for now.  I also think it would make a good companion to supplement my Sallie Mae for when I reach the cap (happens on groceries).

 

Discover IT - As well as with AMEX, I'd like to start a relationship with Discover to round out my networks.  While the 5% categories may be similar to the Freedom, sometime the Discover can benefit me more (I shop at Home Depot instead of Lowes, Freedom is limited to Lowes where Discover is all Home Improvement Stores for an example).

 

These are the core cards I'd like to apply for.  I've also given thought to applying at the local Credit Union I bank with in addition to Chase, but I feel that 4 apps may be pushing it.

 

Am I biting off more than I can chew with these 3 (or 4)?  I'm still unsure of my chances for CSP or BCE (I've gotten a few pre-approval letters for IT) given my overall AAoA is still less than 3 years and I've yet to hit $5,000 on another card (unless I get an auto-CLI tomorrow from Barclay on my Sallie Mae). Given that I've improved my report markedly since getting my last two cards, I'm just not sure where I'll land on these apps.

 

Also, I'm doubtful of an auto-CLI from Chase on my Freedom as the collections JUST dropped off within the past couple of weeks, so I doubt they've soft-pulled since.  If/When I don't, would it be a bad idea to ask for a HP CLI during my spree such that the inquiry can age with the rest?

 

As always, I am eternally greatful for the advice I receive here!

Current Utilization: 0% / ~$50,000 AAoA: 7-8 Years Installment: ~$50,000 Student Loans / ~$2,000 Car Loan
Current Scores:
   TU08 - 812 (8/5 BarclaysCard)
   EQ08 - 843 (7/28 Citi - Bankcard/900)
Goal: Buying our first home!
Message 1 of 19
18 REPLIES 18
Tsuyoi
Valued Member

Re: Possible App Spree. Chances?

Followup question, I received a raise today, would I put my new salary or the salary I can immediately show pay stubs for?

Current Utilization: 0% / ~$50,000 AAoA: 7-8 Years Installment: ~$50,000 Student Loans / ~$2,000 Car Loan
Current Scores:
   TU08 - 812 (8/5 BarclaysCard)
   EQ08 - 843 (7/28 Citi - Bankcard/900)
Goal: Buying our first home!
Message 2 of 19
DrZoidberg
Established Contributor

Re: Possible App Spree. Chances?

I'd say you have a good chance at all 3. Your relationship is already there with Chase and the. IT and BCe isn't "too hard to get."

Message 3 of 19
Tsuyoi
Valued Member

Re: Possible App Spree. Chances?

I'm mainly worried about inquiries and not having another $5,000 CL.
Current Utilization: 0% / ~$50,000 AAoA: 7-8 Years Installment: ~$50,000 Student Loans / ~$2,000 Car Loan
Current Scores:
   TU08 - 812 (8/5 BarclaysCard)
   EQ08 - 843 (7/28 Citi - Bankcard/900)
Goal: Buying our first home!
Message 4 of 19
tcbofade
Super Contributor

Re: Possible App Spree. Chances?

First, a big congrats for waiting the six months...that's HUGE.

 

If the two collections "just" fell off of your reports, I wouldn't plan on a soft pull CLI for at least another 30 days.

 

If you're OK with the HP on your report, then go for it! 

 

I don't think that you'll have any trouble getting approved for what you want.

 

Good luck!

Fico 8 10/01/25: EX 795, EQ 800, TU 793.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 5 of 19
Creditaddict
Legendary Contributor

Re: Possible App Spree. Chances?

I would go ahead and apply for all 4 now and yes use your new salary!

I think you also have them listed in the order you should apply for them in too!

Message 6 of 19
gh17
Frequent Contributor

Re: Possible App Spree. Chances?

Put your new salary.  Nobody's going to ask for proof, and even if they did, you legitimately got a raise so I'm sure you could find proof.

BofA Cash Rewards 25,000 (2009) | Citi Double Cash 25,000 (2011) | Cap1 Quicksilver 10,000 (2013) | Discover It 31,000 (2014) | Chase Freedom 9000 (2014) | Barclaycard Rewards 25,000 (2014)

FICO: 840 Discover/Barclays/BofA TU, 869 Citi Equifax
Message 7 of 19
grinlikechelsea
Established Contributor

Re: Possible App Spree. Chances?

I think you're in great shape for those cards. Put your new salary as well; if they require proof, your employer can probably help with that.

 

Also don't stress not having another $5,000 CC; your limits are fine and as long as your Chase internal score remains good (which it should be with your great use of the Freedom card), they'll extend you the CSP.

 

Good luck Smiley Happy

Message 8 of 19
Trivolve
Contributor

Re: Possible App Spree. Chances?

  1. Discover definitely good to go.
  2. AMEX OK, since you're a new member remember it's HP whether denied or approved. But I think you stand a good chance, I had a pretty low AAoA when i got it.
  3. CSP. Like some others said they might like to see $5k CL experience. You could try but if denied, you could just try 3xCLI for BCE after 61 days, which should get you a $5k CL to "gain experience" with, then you can try CSP in a few months. Also you probably need a good level income to support $5k CL.

Also it's nice that your cards will probably individually pull TU/EX/EQ without overlap (unless borderline, then they might pull extra)

[Total CL: $97K] Citi Forward, BoA BankAmericard Travel Rewards, Discover It, Chase Freedom, Chase Hyatt, AMEX Blue Cash, AMEX Hilton Hhonors, Chase Sapphire Preferred, Citi Thankyou Preferred, Barclaycard Arrival Plus, AMEX Platinum, Chase IHG
Message 9 of 19
Tsuyoi
Valued Member

Re: Possible App Spree. Chances?

Income was $50,000, just got a raise to $55,000 if that's good enough for the CSP.
Current Utilization: 0% / ~$50,000 AAoA: 7-8 Years Installment: ~$50,000 Student Loans / ~$2,000 Car Loan
Current Scores:
   TU08 - 812 (8/5 BarclaysCard)
   EQ08 - 843 (7/28 Citi - Bankcard/900)
Goal: Buying our first home!
Message 10 of 19
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