@uncredited wrote:Yep, sorry I forgot not everyone was on my prior threads! Kforce explained it right, cobrand with a wholesaler store, 3% off store purchases, flat $600/yr off the membership. Hard to beat that savings on any card, really. But as Kforce said, they denied in November explicity for not having enough cards (at the time, 2) on the phone, and told me to maybe try to get a secured card from my bank or something (??). So I went to Amex the next day and they liked me just fine....
When the card arrived I made sure to charge some WS orders against the new Amex transaction fees....not the stores fault, but the revenge made me feel better anyway
@Anonymalousyeah some people like doubling up for convenience or where some cards work together with points systems and all, Citi would, but I like having eggs in many baskets. If one flips out for unknown reasons as lenders tend to do the damage is mitigated to one product. Plus it opens a history with more institutions in general which could always benefit some day, or not. With 3, the separate apps I don't mind so much, maybe with 5 or 6 it will get frustrating, but at the same time having separate apps for each card makes me less likely to get confused what's what and when its due than if I have 2 in the same app, too. Pros and cons.
Yeah, sounds like FNBO is the same totally unpredictable place. Ick. Not a huge fan of them, at all, but, they mean money, and at least they're not syncb, so there's that. I will still begrudgingly go for them after this next one probably.
@KforceWell, if even your conservative bent means it's not too soon to try Chase again, then that's probably the right next bet. June probably, I'm pretty sure they count one less month the way they count so 7 months (according to FICO) is 6 months to them on the newest account. Amazon doesn't advertise the Chase card to me in my account after I last applied, only the store card. I'd try the prequal again, just because, even though I think there's enough DPs on the forums to mean that prequal on that card is about as good as "selected to apply."
FNBO 1 year vs 6mo later....hmm. I'll be back in Nov/Dec to gather opinions on that one I think. You know I'm cautious and conservative, too, so that's interesting, and I already know they don't like me, OTOH, if they only problem they had with me last time was number of accounts, you'd think a total extra year of history with 2 more cards would be able to satisfy them, considering I'd have done exactly what they told me they needed me to do for approval.....but they're flaky. If Amz-Chase happens in June and goes smoothly, I'd possibly be more willing to throw another inq on the pile since that would be the last or penultimate get.
And I definitely don't want to do the card collection as a hobby thing
My daughter got the FNBO Evergreen as her 3rd card.
1 year ago, no CLD, or issues sense.
Live way outside geographic foot print.
Double your age of accounts and a little higher Ficos, but very low part time income.
Just a data point for you to ponder.
I think you have enough cards and 2 year's of CC history should be enough for the FNBO.
Understand you will get both eventually, I believe Chase and FNBO have very similar standards.
Neither like being first and want to see some other accounts and a couple years.
Have no real read on which you would have a grater chance of getting.
I am going back to flipping the coin, which I believe you never really did.
You might try it and become a believer.
Good luck, off to make my next batch of ice cream (Strawberry). 
@Kforce I think DPs for Chase prequal and FNBO everything line up closely. There's lots of data, and no resulting pattern when sifting through it. The coin flip is a good idea, I'm pretty sure that's actually how their approval processes work
Between the two I'd apply SLIGHTLY more logic than the coin flip: It's been more time since I was denied by Chase vs when I was denied by FNBO making Chase the more obvious first one to retry, plus the denial reasons by Chase were, in order, age of oldest account, followed by number of cards of appropriate age, while FNBO was purely about number of cards (I asked about age and they said nothing was wrong with age, just number of accounts.) So getting the Chase first would strengthen my position against FNBO's reasoning next time. And I think getting the oldest account past 2 years, and 1 other account past 1 year comes closer to remedying Chase's reasons than 1 6-mo old card does to remedy FNBO's. Plus I was clearly more borderline at the time with Chase since I got the prequal at least, while FNBO at the time never had prequals either with what is the same reasoning as the deny, so I was probably not close to the border for them as recently as November.
But...with FNBO, who knows, lots of people got them as their second card with a few months history at best, so who knows. My best guess with Chase is that rolling over key anniversaries (>2 years oldest acc, >1 year another acct, plus a 3rd 6mo acct.) It's a best guess of course. With FNBO it's as likely they have to browse myFico to see who's accounts they can CLD before issuing me a line
One plus I have with either of them is for the Signature qualifications, all my accounts are over $5k now, so none of them should see the Signature criteria as a barrier.
Ahh, I'm glad to hear the ice cream maker's working out for you!! 
@uncredited wrote:Just floating this thread up one more time to ask if there's anyone that thinks with the above data that I should not by trying for the Chase Amazon (again) at this time? I ask because as the Amex will post it's 7th statement today or tomorrow, I'd give it a few days to post to bureaus and maybe give the Chase a try sometime Fri-Tues if nobody thinks that's a bad move (rejected last July.)
If you still have just the 3 cards mentioned in your original post, and your scores are in the same neighborhood, and you don't have a slew of recent inquiries, and your utilization is ok, I think you're good to go.
Go for it, only a HP
@SouthJamaica wrote:
@uncredited wrote:Just floating this thread up one more time to ask if there's anyone that thinks with the above data that I should not by trying for the Chase Amazon (again) at this time? I ask because as the Amex will post it's 7th statement today or tomorrow, I'd give it a few days to post to bureaus and maybe give the Chase a try sometime Fri-Tues if nobody thinks that's a bad move (rejected last July.)
If you still have just the 3 cards mentioned in your original post, and your scores are in the same neighborhood, and you don't have a slew of recent inquiries, and your utilization is ok, I think you're good to go.
@Kforce Yep, same 3, 7statments into the newest, no inquiries since the inqu for that card in Nov, EX score went +3 then -3 moving from 5% to 4% to 5% single account util....that's my idea of pushing my credit limits haha.
Sounds like a go either this week or next. We'll see if they like me better this year! 
@uncredited wrote:
@SouthJamaica wrote:
@uncredited wrote:Just floating this thread up one more time to ask if there's anyone that thinks with the above data that I should not by trying for the Chase Amazon (again) at this time? I ask because as the Amex will post it's 7th statement today or tomorrow, I'd give it a few days to post to bureaus and maybe give the Chase a try sometime Fri-Tues if nobody thinks that's a bad move (rejected last July.)
If you still have just the 3 cards mentioned in your original post, and your scores are in the same neighborhood, and you don't have a slew of recent inquiries, and your utilization is ok, I think you're good to go.
@Kforce Yep, same 3, 7statments into the newest, no inquiries since the inqu for that card in Nov, EX score went +3 then -3 moving from 5% to 4% to 5% single account util....that's my idea of pushing my credit limits haha.
Sounds like a go either this week or next. We'll see if they like me better this year!
I think they liked you last year; they were just playing hard to get.
@SouthJamaica wrote:
@uncredited wrote:
@SouthJamaica wrote:
@uncredited wrote:Just floating this thread up one more time to ask if there's anyone that thinks with the above data that I should not by trying for the Chase Amazon (again) at this time? I ask because as the Amex will post it's 7th statement today or tomorrow, I'd give it a few days to post to bureaus and maybe give the Chase a try sometime Fri-Tues if nobody thinks that's a bad move (rejected last July.)
If you still have just the 3 cards mentioned in your original post, and your scores are in the same neighborhood, and you don't have a slew of recent inquiries, and your utilization is ok, I think you're good to go.
@Kforce Yep, same 3, 7statments into the newest, no inquiries since the inqu for that card in Nov, EX score went +3 then -3 moving from 5% to 4% to 5% single account util....that's my idea of pushing my credit limits haha.
Sounds like a go either this week or next. We'll see if they like me better this year!
I think they liked you last year; they were just playing hard to get.
Lol, well, I guess they're called "Chase" for a reason....