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Hi, I just get the Chase CSP (with 8k) and I would like to get another 2 cards/
I am thinking about the Discover (I have the pre-approved in mail and on the website), the Penfed Rewards (I have found the amazing thread about the penfed thanks to Myfico) or the Citi Costco (pre-approvate by mail and website)
I should apped in the same day for 2 of these cards ? on EQ I have 5 total inquires: 3 dated 12/2015 , 1 dated 06/2016 , 1 dated 10/2016 (paypal credit),
In the last 6 months I have opened only the Chase CSP (is not yet reported),
my Chase Freedom with 10.5k is highest credit line , I should wait the CSP on the report or is better to apply now ?
Score is around 710 (util 22%, oldest account 14 months, income 120k)
thanks...
I am thinking to try Penfed and then Discover with the pre-approval code found in the mailer , I dont know if this could help for discovery,
also is better to app for both the same day ?.
When I got Discover they pulled EX but, some others here have been saying they pulled EQ...Guessing it's a regional thing here in TX pulling EX. If you have a set APR on Discover it might be worthwhile to go for a more sure thing than a blind app to PF. When I did my app they had been sending codes a couple of times per week and just flat out apped and got an instant approval.
in the mailer I get 13% - 16% as APR
@Anonymous wrote:in the mailer I get 13% - 16% as APR
That's a pretty GOOD range to have from them. I would say you're 99% approved with that mailer. Have you checked the pre-qual to see if it matches? It should match or be close. Either way you have a really decent shot at getting a new shiny Discover card!