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Applying for CC, need some advise

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Anonymous
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Applying for CC, need some advise

Hello MyFICO forum, this is my fisrt post here. I'm pretty new to credit, my oldest CC is a Discover it Secured, I applied for it on August 2017 with SL $300 and about two weeks ago I did a CLI to $500. Hoping see it graduating on the 7th month. On October 2017 I apped for a Cap1 Platinum it was approved for $300, a month ago did PC to QS and CLI to $400.
I decided to try my luck with Amex. On Feb apped for the ED and it was approved for $2000!! A week later apped for the BCE and was approved for $500 (and put my DH as AU). The same day apped for Chase FU but it was declined for thin history.

My scores as today with CCT are EX 712 (4 INQ), TU 707 (5 INQ), EQ 690 (6 INQ). My UTL is 6%

I would like to apply for the Citi DC but I don't know is if better to wait for AMEX reporting to CBs.

What do you guys think is better? Thanks in advance.

PD: I moved to the States in 2015, start my credit history on August 2017. So I don't have any other credit applications or baddies on my Credit history
Message 1 of 7
6 REPLIES 6
AverageJoesCredit
Legendary Contributor

Re: Applying for CC, need some advise

Citi sometimes is skittish with multi hps within 6 months. I think if you let your Amex report and give it 6 months without applying, youll be better situated. Just my opinin of courseSmiley Wink
Message 2 of 7
Kforce
Valued Contributor

Re: Applying for CC, need some advise

I would wait about 6 months.

Message 3 of 7
Anonymous
Not applicable

Re: Applying for CC, need some advise

Thank you for answer. I'll wait
Message 4 of 7
Anonymous
Not applicable

Re: Applying for CC, need some advise

@AverageJoesCredit so, do you think in 6 months I can apply for Citi DC and maybe another CC? Now I have Disco, Cap1 QS MC and two Amex. I really like to have a Visa card too.
Message 5 of 7
Anonymous
Not applicable

Re: Applying for CC, need some advise

Welcome to the forum!

 

Congrats on the approvals.


Let that Amex simmer for 181 days and ask for a CLI then 

go and try Citi if you still have the itch!

Message 6 of 7
Anonymous
Not applicable

Re: Applying for CC, need some advise

Thank you so much @WhatTickaWhat for your recommendation. I'm going to garden til August.
Message 7 of 7
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