AMEX / Chase Applications

[Ammer]

Hi,

here my sitiuation :

See my cards in the signature.

My scores are all over 720 (CK 769)

Oldest account 3.2 years (AMEX), AAOA 1.7 years

no baddies on CRs

How soon should I apply for 1 or 2 new Amex to get my AAOA up since today I got my 61 day 3x CLI on the BCP ?

Should I wait a month or does it not matter ? Should I apply for 2 Amex on one day or stretch that out ?

I also want the Chase Sapphire Preferred. Should I apply on the same day like the AMEX, so they maybe won't see the Amex inquiries ?

[Creditaddict]

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@Ammer wrote:

Hi,

here my sitiuation :

See my cards in the signature.

My scores are all over 720 (CK 769)

Oldest account 3.2 years (AMEX), AAOA 1.7 years

no baddies on CRs

How soon should I apply for 1 or 2 new Amex to get my AAOA up since today I got my 61 day 3x CLI on the BCP ?

Should I wait a month or does it not matter ? Should I apply for 2 Amex on one day or stretch that out ?

I also want the Chase Sapphire Preferred. Should I apply on the same day like the AMEX, so they maybe won't see the Amex inquiries ?

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I would do the pre-qual on Chase and see if you get any offers... go for it if so.

You can apply for at least 1 more Amex right now if you want... If instant approval, go for the 2nd too... no biggie. Amex likes giving cardholders multiple cards.

INQ's are instant so if they both pull EX (which Chase and Amex do) then which ever you apply for second will see... Since you already have the relationship with Amex, I would do Chase first

[Ammer]

Ok, I have relationship with Chase too (Freedom)

I just wanted to know if it looks bad if I apply for a new Amex right after the CLI.

and in regards to the CSP : on my credit report the 10K limit of the freedom still shows as my highest limit. Should I wait until AMEX reports the new 15K limit of the BCP ?

Would Chase want to match the 15K BCP limit with the CSP or is it better letting them see only the 5K BCP limit to get a higher limit on the CSP?

[Creditaddict]

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@Ammer wrote:

Ok, I have relationship with Chase too (Freedom)

I just wanted to know if it looks bad if I apply for a new Amex right after the CLI.

and in regards to the CSP : on my credit report the 10K limit of the freedom still shows as my highest limit. Should I wait until AMEX reports the new 15K limit of the BCP ?

Would Chase want to match the 15K BCP limit with the CSP or is it better letting them see only the 5K BCP limit to get a higher limit on the CSP?

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I would probably apply for the new amex now and might wait for the chase for the new amex limit of $15k to show because they very well may try to match.

but if you have $10k on freedom chase is also known to increase limits on future cards cardholders apply for when they have built a relationship... they seem to both have crazy computer systems that turn your credit report into something internally they formulate different!!

go for both.