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A bit of advice, please...

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Goodwillhunting
Valued Member

A bit of advice, please...

Where do I start... Ive recently applied to a string of credit cards within the past 2 months and have landed 3 (Cap1 - 1k, Freedom - 500, and Zync - NPSL). The Cap one was the first I applied for because I figured it would be the only one I'd get approved for. Got an instant approval for the one. Was kinda surprised. The 2nd one was the Freedom. I was denied but with a recon I was approved for $500.  So, 2 weekes ago, i got that app itch after doing lots of research here on the site and learned that the zync is a good way to get your foot in the door with amex, so I applied. Instantly approved.  I was shocked at that one too.  The Amex card that I really wanted though was the blue sky preferred. Sooo, the following day i applied for the Blue Sky. I figured since I was instantly approved for the zync I might as well roll the dice and see if I get approved for the Sky. DENIED.  I also 2 days after that applied to the 3rd  card I really wanted, the Simplicity MC....DENIED. 

 

There are 3 cards that I untimatley want in my life. The Freedom Visa (eventually the Sig Version), Amex Blue Sky Preferred, and The Simplicity MC.

 

 

I would love some advice on the best course of action to secure these cards. Please help.  Smiley Happy

 

 

 

 

 

Amex Blue Cash Everyday $15,000 | Citi Thank You Preferred $12,000 | Chase Sapphire Preferred $10,000 | Mid-Atlantic Credit Union $5,000
Message 1 of 22
21 REPLIES 21
jsucool76
Super Contributor

Re: A bit of advice, please...

Are the freedom, cap1, and zync the only 3 cards you have? 

Message 2 of 22
Goodwillhunting
Valued Member

Re: A bit of advice, please...

correct good sir.

Amex Blue Cash Everyday $15,000 | Citi Thank You Preferred $12,000 | Chase Sapphire Preferred $10,000 | Mid-Atlantic Credit Union $5,000
Message 3 of 22
jsucool76
Super Contributor

Re: A bit of advice, please...

I would garden for a bit if I was in that situation. Get scores up a bit and then apply for some of the other cards you want.  You managed to get two really great cards right off the bat and got your foot in the door with two great companies which will be a great help in the long run. I wish I could've gotten the freedom and zync. haha. 

 

Which cap1 card did you get? 

Message 4 of 22
CruzImperial
Established Contributor

Re: A bit of advice, please...

What is your AAoA? If it´s 0, most likely everyone will deny you.

You have gotten 3 cards, maybe let them age and try again in 6 months or a year so your credit profile would be up.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 5 of 22
Goodwillhunting
Valued Member

Re: A bit of advice, please...

3 years per Eq Fico

Amex Blue Cash Everyday $15,000 | Citi Thank You Preferred $12,000 | Chase Sapphire Preferred $10,000 | Mid-Atlantic Credit Union $5,000
Message 6 of 22
Goodwillhunting
Valued Member

Re: A bit of advice, please...

the cap1 plat with the $29 annaul fee. 1st year waived.

Amex Blue Cash Everyday $15,000 | Citi Thank You Preferred $12,000 | Chase Sapphire Preferred $10,000 | Mid-Atlantic Credit Union $5,000
Message 7 of 22
jsucool76
Super Contributor

Re: A bit of advice, please...

So I take it you have other things on your report, car loans, mortgage, student loans, stuff like that? If these 3 cards are all you have your aaoa is off by a lot. 

Message 8 of 22
Revelate
Moderator Emeritus

Re: A bit of advice, please...

If those are your first three cards, just chill out for a year and then go get the Amex and Citi cards you want.  Double-check your FICO beforehand but it's not likely to be an issue at that point.




        
Message 9 of 22
Goodwillhunting
Valued Member

Re: A bit of advice, please...

Jsu I have student loans and a car loan that I paid off in march.  

Amex Blue Cash Everyday $15,000 | Citi Thank You Preferred $12,000 | Chase Sapphire Preferred $10,000 | Mid-Atlantic Credit Union $5,000
Message 10 of 22
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