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Do I have anything to worry about?

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creditnocash
Valued Contributor

Re: Do I have anything to worry about?

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
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 11 of 21
Simply827
Established Contributor

Re: Do I have anything to worry about?

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.

From 144k CL to BK7- 7.19.24
Message 12 of 21
lg8302ch
Senior Contributor

Re: Do I have anything to worry about?


@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 Smiley Wink

Message 13 of 21
creditnocash
Valued Contributor

Re: Do I have anything to worry about?


@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
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 14 of 21
LS2982
Mega Contributor

Re: Do I have anything to worry about?

I wouldnt worry about it at all. I opened a Barclays Rewards MC in September and opened up 4 new accounts since. If anybody shouod be worried its me lmao.



EQ FICO 548 3/3/16
Message 15 of 21
BrokaToe
Established Contributor

Re: Do I have anything to worry about?

haha, thanks LS for the vote of confidence Smiley Happy


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Message 16 of 21
jsickz32
Valued Contributor

Re: Do I have anything to worry about?

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.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 17 of 21
LS2982
Mega Contributor

Re: Do I have anything to worry about?


@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.

Smiley Surprised

 




EQ FICO 548 3/3/16
Message 18 of 21
BrokaToe
Established Contributor

Re: Do I have anything to worry about?


@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!


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Message 19 of 21
SnackTrader
Valued Contributor

Re: Do I have anything to worry about?

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.


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 20 of 21
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