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Hi. I've been thinking about applying for some credit cards in the next few months after some heavy gardening. My only concern is I'm not sure how many I would get approved for, so that is a ''good'' number to apply for at one time where I don't take a major it? Thanks!
As in...like...I dunno?
I'm not sure if I really ever 'needed'' a credit card but I want to build my history up, plus I like to use to benefits. I want a Discover IT, AmEX and a Chase Freedom card. But I'm still not sure about the 'need'' part.
I went on a Spree this week and Apped for 5 and got approved for all 5. With the exception of the simplicity card all got higher then $3k limits 
@kingkai1990 wrote:As in...like...I dunno?
I'm not sure if I really ever 'needed'' a credit card but I want to build my history up, plus I like to use to benefits. I want a Discover IT, AmEX and a Chase Freedom card. But I'm still not sure about the 'need'' part.
To establish credit, and for optimized FICO you would probably be ok with 3 Cards. As for the wanting part, I'd only get the cards that could be beneficial to you. For example, I applied for the Amex card on a whim, but I applied for a card that would be beneficial to me. Once a month (at least) I fly from Florida to Ohio for work - and usually on Delta - so I got the Delta SkyMiles card. My travel requirements and the beneifts I get made for a "need" for that specific card.
So to determine "need" see which cards benefit you the most. Where do you spend mos of your money? Find a card that gives you the most benefits for the money you already spend.
Hope that helps somewhat
@Closingracer99 wrote:I went on a Spree this week and Apped for 5 and got approved for all 5. With the exception of the simplicity card all got higher then $3k limits
Your scores seem to be 100 points higher then the Op so Ops chances are slim of getting the same results.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
@coldnmn wrote:
@Closingracer99 wrote:I went on a Spree this week and Apped for 5 and got approved for all 5. With the exception of the simplicity card all got higher then $3k limits
Your scores seem to be 100 points higher then the Op so Ops chances are slim of getting the same results.
Well I went for Prime cards... If he went for Subprime and maybe discoer he might get some approved?
@Closingracer99 wrote:
@coldnmn wrote:
@Closingracer99 wrote:I went on a Spree this week and Apped for 5 and got approved for all 5. With the exception of the simplicity card all got higher then $3k limits
Your scores seem to be 100 points higher then the Op so Ops chances are slim of getting the same results.
Well I went for Prime cards... If he went for Subprime and maybe discoer he might get some approved?
Prime means what exactly? I see no point in advising anyone to app for credit cards without knowing more about the OP's profile.
@IamB2 wrote:
@kingkai1990 wrote:As in...like...I dunno?
I'm not sure if I really ever 'needed'' a credit card but I want to build my history up, plus I like to use to benefits. I want a Discover IT, AmEX and a Chase Freedom card. But I'm still not sure about the 'need'' part.
To establish credit, and for optimized FICO you would probably be ok with 3 Cards. As for the wanting part, I'd only get the cards that could be beneficial to you. For example, I applied for the Amex card on a whim, but I applied for a card that would be beneficial to me. Once a month (at least) I fly from Florida to Ohio for work - and usually on Delta - so I got the Delta SkyMiles card. My travel requirements and the beneifts I get made for a "need" for that specific card.
So to determine "need" see which cards benefit you the most. Where do you spend mos of your money? Find a card that gives you the most benefits for the money you already spend.
Hope that helps somewhat
I see. I guess Amazon....but I'm not a particularly materialistic person, that's what makes it hard. I'll buy a few video games here and there. I don't travel right now. Maybe things will change when I graduate.
@coldnmn wrote:
@Closingracer99 wrote:I went on a Spree this week and Apped for 5 and got approved for all 5. With the exception of the simplicity card all got higher then $3k limits
Your scores seem to be 100 points higher then the Op so Ops chances are slim of getting the same results.
This is true. I think I can hit nearly mid 600s in a couple of months. High balances are killing me. I probably wouldn't apply until near September/August.
