Good timing for CSP?

[Dw4250]

You're probably fine to apply for both at the same time. I don't think it matters the order.

[nachoslibres]

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@Makersmark23 wrote:
And should I apply for freedom and csp at the same time, in a certain order?

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It shouldn't matter, but the CSP is considered more of a premium card than the Freedom and the CSP is usually harder to get - so I would app for that one first - but would apply for both in the same day.

For some reason I'm craving a whiskey and coke right now.

[fot1]

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@red259 wrote:

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@coldnmn wrote:

Welcome to the forum. Do not apply for anything if your getting a mortgage soon. Wait until you have the house closed and then you should be good to go.

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How far in advance of applying for a mortgage should you stop applying for new credit? One year? 

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If you have a good file, good scores, income no baddies 6 months would be fine, if you have lower scores andything negative or lower income needs to be a year..

[Anonymous]

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@fot1 wrote:

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@red259 wrote:

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@coldnmn wrote:

Welcome to the forum. Do not apply for anything if your getting a mortgage soon. Wait until you have the house closed and then you should be good to go.

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How far in advance of applying for a mortgage should you stop applying for new credit? One year? 

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If you have a good file, good scores, income no baddies 6 months would be fine, if you have lower scores andything negative or lower income needs to be a year..

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I think the real issue is:  "Will applying (and especially being successful) change my score enough to move me from one band of interest rate to another."   Sort of hard to know, but if your score is high enough, a single new account/inq probably won't push you down.   But to be safe, people suggest long time frames, like 6 months to a year or more.  Which sort of makes sense, since the advantages gained from a new credit card for a year almost certainly won't outweigh getting a worse mortgage rate.