Applying for multiple cards

[HeavenOhio]

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I know this is a stretch, but you could double dip and go for the Chase Sapphire Reserve and Preferred.  It won't be super easy but its the only way you can easily get both cards without waiting 2 years or for a preapproval.

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Chase won't issue a second Sapphire product anymore.

OP, an easy way to get your three FICO8s and reports is to sign up for a $1 trial at CreditCheck Total, then canceling before the trial period has ended.

[Anonymous]

wow guys so i signed up for the Fico Ultimate 3b and got my scores. Credit karma and Credit one are off quite a bit. Im surpised my Fico scores are higher than all the fakos.

Fico 8 

Eq- 710 Trans-711 and Experian is 751 !!

Credit ONE showed my experian as being 598 and myFico says its 751.

holy cow, i'm stoked. So glad i signed up

[arkane]

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wrote:

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I know this is a stretch, but you could double dip and go for the Chase Sapphire Reserve and Preferred.  It won't be super easy but its the only way you can easily get both cards without waiting 2 years or for a preapproval.

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Chase won't issue a second Sapphire product anymore.

OP, an easy way to get your three FICO8s and reports is to sign up for a $1 trial at CreditCheck Total, then canceling before the trial period has ended.

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Agreed.

Taking it one step further, I strongly recommend signing up with a prepaid gift card with only $1 left on it. This way you won't get any unpleasant surprises in case the cancellation doesn't go through or you don't have time to wait 2 hours on the phone. 

[Anonymous]

Was the 29.95 for basically a one time viewing of my fico scores, because now they all seemed to have went away and i cant get them back. im so confused lol

[JuliusC]

Did you pay the $29.95 subscription? That is what I pay and monitor my accounts through my dashboard. SIgn into your account through MyFico and look at your dashboard, your three scores should be there. You only get one ultimate 3B report every three months unless you want to pay the $59.95 to get them monthly, but I don't see a point in that. The report is always available through your dashboard. It's a great way to monitor your credit and usage. 

[Anonymous]

Okay i see what i did. I did sign up for the 29.95 subscription. I guess when i created the account i used a different login then what im using here on the forum, and afterwards i forgot to switch over.

Anyways, so when i saw my fico experian was 751, i immediately realized that Amex generally pulls Experian so i figured what the hell and went for it.

I got approved for $2k for the Amex Blue everyday card! I'm stoked because this was essentialy my goal. I got my goal card, i basically have no interest in any other cards at this time. I really just wanted to get my foot in the door with Amex. Worst case scenario if Chase does cancel my card, then oh well. Hopefully they won't though. I was hoping my amex limit would be a little higher considering what i got with discover but oh well. i'm sure it will grow. i really don't need super big limits because my income doesn't necessarily match up with them, lol.

[arkane]

I'm sorry to be so blunt but, what was the point of this thread if you were gonna do what you wanted to regardless? You had no less than 3 people telling you to stop and let your profile age, but you went and got the BCE anyway. 

Well ok you're certainly allowed to do what you want, but DiscIt is an effective 10% cash back on gas through end of Q1, and 10% cash back on groceries during Q2. Not to mention who knows what Chase Freedom will offer this year. Bottom line is you already have cards that offer better cash back than BCE (granted only during certain periods, but still, and there are ways around the time limitation too), so getting the BCE now just seems completely pointless. 

[Anonymous]

Well, to say I was just going to do whatever regardless isn't accurate.

The point of the thread was really to see what kind of an impact applying for multiple cards at once would have on my credit score. You guys seem to know a lot of little tips and tricks and I was curious what everyone had to say.

I will start by saying I really just wanted to have a few cards from prime lenders. Hence the chase, discover, and amex. There's no annual fee so what difference does it make? I see guys on this forum with up to 30 cards. In fact most people have more cards than they have a "purpose" for.

After initially reading everyone's replies I was going to leave it at that. Just the chase and discover.

However you guys talked me into getting the Fico score. So I did.

I then saw my experience which was 751 and kind of blew my mind. I honestly thought experian would have been by far my lowest score, which was another reason I was going to hold off on the be because I didn't want to take a chance.

I saw I had a score I pretty much knew would approve me for the bce so I went for it.

Also, my scores were higher than I initially realized so it didn't worry me as much by getting another card.

Ultimately I should have just signed up for myfico beforehand and it would have probably saved me from making this thread. You guys were the ones that gave me that last push to get it. After seeing my scores it changed my perspective a little.

[Anonymous]

Wish I would have done this. Should have checked back in this thread first.

[Remedios]

I'd kinda be surprised if Chase lets you keep the card once they soft pull you

Even if Amex does not report within next two months,  Discover will report fairly quickly. 

I know you're seeing people with 30+ cards, but what you're not seeing is how long it took them to get there.  

Each profile is different, and what works for one person may not work for another.