Citi, Amex, US Bank, WF, or BoA

[jdbkiang]

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@AverageJoesCredit wrote:
Op, please tread carefully in regards to mentioning MS as its against forum TOS to discuss such things here. Thank you for your understanding.

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Sorry, I've edited the post to clarify. Definitely do not intend to insinuate any illegal activity. 

[jdbkiang]

They all do, actually.

I still use most of the cards I have and do not intend to close any cards that I open. US Bank's Cash+ and Altitude Reserve really interest me (though I'm still not sure if the CSR and Altitude overlap too much). WF's Propel and Visa Signature combination also interest me. Amex's MR cards seem like a good backup in case Chase's cards lose value, while the SPG and Delta programs are ones I've considered joining for a while. Citibank's TYP program has also intrigued me for a long time, so with the current SUB on the TY Premier, I figured maybe it was good timing. I also just received BoA's Alaska Airlines invitation and that's another card I've considered for a while. 

So to sum it up, the issue is more of which I should go for first rather than which one to go for period. I understand waiting a few months as well, but I figured it wouldn't hurt to give it a shot, if any of the aforementioned banks aren't too finicky with multiple recent account openings. 

[SweetCreditObsession]

Why did Citi deny you in the past?

[pinkandgrey]

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@Anonymous wrote:

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@pinkandgrey wrote:

I can say from personal experience that BofA, US Bank, and WF tend to like a relationship with them before handing out their credit cards. Citi has a great prequal site that I would try. Just recently got the DC. 

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What is your personal experience?

My wife and I each have a US Bank Cash + and we never had any previous relationship with them, so I can equally say from personal experience, US Bank doesnt care about relationships at all!

That's the trouble with anecdotal evidence.

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You definitely make a good point, and I know (also from experience) that these banks will approve non-existing customers. I too have a US Bank Cash card. However, LACK of relationship is an often-cited reason for denial. I wasn't saying that there was no chance at all.

[jdbkiang]

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@SweetCreditObsession wrote:
Why did Citi deny you in the past?

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I don't remember clearly, but I think I applied after an app spree, so I wouldn't be surprised if it was for too many new inquiries or too many new accounts.