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dont even worry about it.
i had 2 cards for a year then added one more and the 6 months later (in the course of 2 months) i added 7 more accounts! and no aa was done to me.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
You should call up Chase and have them try to match your Discover limit, or at least get a little closer to it. They love to compete.
@Anonymous wrote:I opened 4 within a week, hopefully nothing bad happens!
hope the same for me too... all manual approvals for me with Chase and Discover through recon asking for 2nd HP and wait 6-8 weeks for new pull and for sure close monitoring on these 4 new accounts. Trippled my CL in 6 weeks and cut my AAofA from 26 yrs to 7yrs! All accounts now reporting and so far no AA ...hope this stays and I will now behave. Last action I did last week is hit the CLI button on AX just out of curiosity but now I am really scared like hell as this will show to Chase and Discover which worried already about the new 5K limits. For AX I did not try 3 x but only 2 x as I think this is already a risky action knowing that two lenders worry about my new increased CL. Just could not resist .. So for sure now gardening and refrain from any CLI buttons and pray......if I survive the next two months without AA it should be fine. I will never do this again....max. two inq at the time in the future for me if this here will have no consequences
@Simply827 wrote:You should call up Chase and have them try to match your Discover limit, or at least get a little closer to it. They love to compete.
yeah but wait until it reports. and know it will be another hp.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
haha, thanks LS for the vote of confidence
@jsickz32 wrote:
Since 06/12 to this week ive opened 19 new accounts. Only one who chickened out was cap1 with the bestbuy store card with a 400cl. Other than that nothing from the others.
@jsickz32 wrote:
Since 06/12 to this week ive opened 19 new accounts. Only one who chickened out was cap1 with the bestbuy store card with a 400cl. Other than that nothing from the others.
Holy Cow! 19 New Accounts! Well if that doesn't make me feel better, than I don't know what will...hehe Thanks!
One thing that wasn't mentioned here is that it's important to keep your balances down. When I think back to the stories I've read about CLDs and other AA, a common theme is carrying high balances, or charging large amounts. Typically, someone will say something along the lines of: "a medical issue came up, and next thing I know...". Well, it happened at an unfortunate time, but obviously putting a large medical bill on a new card and letting that balance report may have worried the creditor.
So it's certainly a YMMV situation, but continue to be a responsible user and pay down balances and I agree that you should be okay. On time payments and low utilization will not only alleviate any worries, but will really help your credit to continue growing.