Help with what to do next (19 Years Old)

[Anonymous]

So pretty much if I apply to both within minutes of eachother, it's almost like as if I just applied to one (in the companies eyes)?

[myjourney]

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@Anonymous wrote:

So pretty much if I apply to both within minutes of eachother, it's almost like as if I just applied to one (in the companies eyes)?

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Not sure I understand the statement .....Hmmmm? Lol

If you pick 2 cards that pull the same CB....Example EX 

The HP will show up faster than you can hit enter on the next app ....even if it's filled out on another screen 

[Anonymous]

I meant in the eyes of both Amex and Chase. Anyway, do you think applying to both within the same day (rather than just one at a time, waiting to see what the desicion is for one, either accepted/denied) would hurt my chance getting either? What did you mean when you said that the order doesn't matter if it's within a 24 hour period?

Example 1: I apply to Amex only. I wait on their decision. They only see their inquiry, and the Discover inquiry. Then whether they accept or decline me, I then apply to Chase, and they see the Amex inquiry as well as the Discover inquiry.

Example 2: I apply to Amex & Chase at the same time. Both companies see both inquiries, as well as the inquiry from last year to Discover.

Do you think example 1 gives me a better chance at getting either Amex or Chase?

[myjourney]

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@Anonymous wrote:

I meant in the eyes of both Amex and Chase. Anyway, do you think applying to both within the same day (rather than just one at a time, waiting to see what the desicion is for one, either accepted/denied) would hurt my chance getting either? What did you mean when you said that the order doesn't matter if it's within a 24 hour period? If Amex is first app Chase will see Amex pull weather it 3 minutes later or 24 hours 

Example 1: I apply to Amex only. I wait on their decision. They only see their inquiry, and the Discover inquiry. Then whether they accept or decline me, I then apply to Chase, and they see the Amex inquiry as well as the Discover inquiry.

Example 2: I apply to Amex & Chase at the same time. Both companies see both inquiries, as well as the inquiry from last year to Discover.

Do you think example 1 gives me a better chance at getting either Amex or Chase?

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I would app both in the same day ....

To clarify There's no way to apply for both cards at the same exact time....it takes a millisecond that's how fast the HP will show up 

The second app is going to see the first no matter what you do

[Anonymous]

Oh okay. So pretty much just apply to whichever one I want the most first (Amex), right? Then apply to the other (chase)?

If both happen to not work out, since I already would have two hard inquiries, do you think it'd be best to wait another 6 months for... let's say the Citi Dividend card or capital one, or should I just try those immediately if both don't work out? Or do both amex & chase reconsider you (if you call in same day, if they decline you) or do they generally like you to wait about 6 months to a year after reapplying for those previous HPs to not affect you?

[myjourney]

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@Anonymous wrote:

Oh okay. So pretty much just apply to whichever one I want the most first (Amex), right? Then apply to the other (chase)?

Yes yes ye sye syou got it

If both happen to not work out, since I already would have two hard inquiries, do you think it'd be best to wait another 6 months for... let's say the Citi Dividend card or capital one, or should I just try those immediately if both don't work out? Or do both amex & chase reconsider you (if you call in same day, if they decline you) or do they generally like you to wait about 6 months to a year after reapplying for those previous HPs to not affect you?

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[Creditaddict]

apply for both regardless ofirst app response because they are different banks and may be different answers.

[JKXX]

I would apply for the Freedom.

People with way worse scores and profiles have gotten it and the 1-1.5 year mark of history they recommend seems to be just something they say. A friend got it with zero history(or credit history) and only a banking relationship.

[Cisneros1337]

I got approved for Chase Freedom with EXACTLY 1 year of credit. (18 years old) turning 19 tomorrow.  Hey check out my post http://ficoforums.myfico.com/t5/Credit-Cards/Another-18-Year-Old-wondering-about-their-credit/m-p/30...

[Anonymous]

I've been reading that Chase likes for you to have 1 year of credit history, but I guess I have nothing to lose. If the worst happens and I get declined by both Amex & Chase, instead of me going for the Capital One Student card, do you think I'd have a chance with the Capital One Quicksilver (the one with no annual fee)?