Did I app for too much?

[Ortz33__]

Hey guys.  Recently got approved for a Discover More Card.  Besides a new Barclay Apple last month it is pretty much my only prime card since a few chargeoffs back in 2006.  Happy to be back in the game. 

I got a little app happy after that WIN and applied for a few other accounts.  Think my total inquiry hit across the board was 7.  Here are the new approvals:

Pottery Barn

Crate & Barrel

JCrew

CapOne

BestBuy Rewards Zone

I figured once I got approved for the Discover that it would be good to develop some new relationships.  My only other cards besides the Barclays at the time were Orchard, a Raymour Flanigan, Kay Jewelers Card and two closed First Premiers. I am a bit worried that Barclay might notice this and CLD or close me.  I wouldn't really be THAT upset, because any creditor that pulls the rug out from underneath me doesn't really deserve me, and now I have a REAL prime card to work with.  What do you think?

[john398]

I think the only account I hjave heard of those listed gets nervous applying is Barclay, when they see all those new accounts they could possibly cancel you, I am not for sure, just be aware it is possible

[Anonymous]

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@Ortz33__ wrote:

Hey guys.  Recently got approved for a Discover More Card.  Besides a new Barclay Apple last month it is pretty much my only prime card since a few chargeoffs back in 2006.  Happy to be back in the game. 

I got a little app happy after that WIN and applied for a few other accounts.  Think my total inquiry hit across the board was 7.  Here are the new approvals:

Pottery Barn

Crate & Barrel

JCrew

CapOne

BestBuy Rewards Zone

I figured once I got approved for the Discover that it would be good to develop some new relationships.  My only other cards besides the Barclays at the time were Orchard, a Raymour Flanigan, Kay Jewelers Card and two closed First Premiers. I am a bit worried that Barclay might notice this and CLD or close me.  I wouldn't really be THAT upset, because any creditor that pulls the rug out from underneath me doesn't really deserve me, and now I have a REAL prime card to work with.  What do you think?

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Stop Apping!!!!

Barclay is known to get very nervous when they see a new cardholder of theirs, with new accounts, especially 5 new accounts one month after opening their card. YMMV

I would stop apping for at least a year, let these accounts age.

Congrats tho

[Ortz33__]

thanks!  feels really good and owe inspiration to all of you

[Creditaddict]

Why take the Best Buy MC after getting prime cards?!

same with Cap1 if they give you $500 limit.

The store cards are great if you actually shop at those stores, The Crate and Barrel are WFNNB and you don't even have to ask for CLI with them, they just do it... and a lot of times I find them doing it when you are about to run out of spending limit on your current cl!

The others GE backed are good every 4 months for CLI with no hard pull but you have to ask.

[Ortz33__]

Wanted the BB card because of their no interest special on purchases over a certain amount and i am looking into a new TV which will be well over the amount.  I thought it was a prime card, actually??  No? 

CapOne I figured I'd give a shot since I had an Auto Loan from them and checking/savings for a few years. THey offered 0 APR until September 2012!  But to be honest I'm not sure if they really take previous checking/savings into account like a Wells Fargo would. Seems very divided there. It was a $500 limit (boo) but maybe I'm in credit steps?  It was their Rewards CashBack, so I'm not sure if they will put me in Credit Steps with a rewards card...? 

YES!  Love WFNNB. They back my Raymour Flanigan card.  THe Pottery Barn card is a rewards card and I save some cash (if I pay it off) with the J. Crew Card. 

I got the 7-10 day message for State Farm, Denied for Bank of America and Chase as well. 

[Creditaddict]

oh sorry did you get the Best Buy Store Card or the MasterCard?

if it's Store my bad it is a good card as long as you didn't get B Card.

[laz98]

I don't think you get the same 0% financing offers with the Reward Zone MasterCard, only with the store card.

[Creditaddict]

Correct, store card is good.. .when I reponded after the first post I was mireading I believe that Reward Zone meaning Store card... I just always read Reward Zone MC... I was hoping I was wrong and poster had gotten the store card