Being in the garden is so boring...
I originally started to garden in May 22nd.. BUT due to my curiosity of the shopping cart trick.. i got another open TL on June 22nd.. 
so my REAL gardening time started on June 23rd....
Cards that I want.. Not sure if I could do it all at once via an app spree (I don't think so)
Upromise card
CSP
Blue cash preferred (I want the preferred version and will think about if i want to downgrade it after a year before the AF hits if approved. )
US bank Cash +
Capital one quick silver (no af version)
Freedom.. (But this one I will wait for whenever they have the 200 sign up bonus..)
I am almost 100% sure some of the cards (freedom, cap1 QS) I will get approved by now (maybe not a nice cl, or nice term, but i think i can get it).. and I have been receiving invitation for freedom, QS and CSP every now and then..
my profile:
AAoA: now is only 9 months (CS said so..) so in December it's going to be 1 year?
Discover FICO: 737, The credit one EX score says: 726 no idea about my EQ.. I think my EQ only has 1 inquiry from last year September from Macy's and all other CLI or APP, they pull either TU or EX.. I would assume it's over 730 on my EQ..
I can keep my debt really low like only 1% reported as I am able to pay it all in full before statement cuts
Income is 40-70k (it varies depending on my performance, so i usually put 50-60 on the app depending on my mood)
Originally, I want to do an app spree after 6 months of gardening.. (which is the end of DEC)
So now.. questions: which cards do you guys think that I can app like NOW (I am sooo bored in the garden and i know, i know it's not right to app now, but I mean if i am going to do it, which cards?)
And by the end of DEC, which cards you guys think that I can app for??
Thanks for all advices..
@Christina_xyt wrote:Being in the garden is so boring...
I originally started to garden in May 22nd.. BUT due to my curiosity of the shopping cart trick.. i got another open TL on June 22nd..
Cards that I want.. Not sure if I could do it all at once via an app spree (I don't think so)
Upromise card
CSP
Blue cash preferred (I want the preferred version and will think about if i want to downgrade it after a year before the AF hits if approved. )
US bank Cash +
Capital one quick silver (no af version)
Freedom.. (But this one I will wait for whenever they have the 200 sign up bonus..)
I am almost 100% sure some of the cards (freedom, cap1 QS) I will get approved by now (maybe not a nice cl, or nice term, but i think i can get it).. and I have been receiving invitation for freedom, QS and CSP every now and then..
my profile:
AAoA: now is only 9 months (CS said so..) so in December it's going to be 1 year?
Discover FICO: 737, The credit one EX score says: 726 no idea about my EQ.. I think my EQ only has 1 inquiry from last year September from Macy's and all other CLI or APP, they pull either TU or EX.. I would assume it's over 730 on my EQ..
I can keep my debt really low like only 1% reported as I am able to pay it all in full before statement cuts
Income is 40-70k (it varies depending on my performance, so i usually put 50-60 on the app depending on my mood)
Originally, I want to do an app spree after 6 months of gardening.. (which is the end of DEC)
So now.. questions: which cards do you guys think that I can app like NOW (I am sooo bored in the garden and i know, i know it's not right to app now, but I mean if i am going to do it, which cards?)
And by the end of DEC, which cards you guys think that I can app for??
Thanks for all advices..
The point of being in the garden is to age your accounts and have the best chance to get approved when apping.
If your last TL was June 2014 you shouldn't apply for anything until 1/2015. IF you decide to apply for say the QS card this month. It's 6 months from this month. Otherwise you'll get auto denied for having a TL within the last 6 months for some providers.
Amex will pull EQ or is EX? I think its EQ. Amex can be INQ senstive so if you have low INQs that one might be the first one to try and go for
US Bank Cash + I think this one will be the hardest card to obtain on the list, so your going to want your profile to be the best it can for when you apply for it
CSP Personally i dont think this card will be too hard, i think if you have a EX or EQ score above 700 you can obtain it 
Upromise is backed by Barclays and they are new account and INQ senstive
If your planning on doing an app spree i would suggest maybe not, but rather apply for maybe like 2 cards in 6 mos if thats how long your wanting to wait. Maybe go for BCEP and CSP after 6 mos.
Just my opinion.
@Skye12329 wrote:Amex will pull EQ or is EX? I think its EQ. Amex can be INQ senstive so if you have low INQs that one might be the first one to try and go for
US Bank Cash + I think this one will be the hardest card to obtain on the list, so your going to want your profile to be the best it can for when you apply for it
CSP Personally i dont think this card will be too hard, i think if you have a EX or EQ score above 700 you can obtain it
Upromise is backed by Barclays and they are new account and INQ senstive
If your planning on doing an app spree i would suggest maybe not, but rather apply for maybe like 2 cards in 6 mos if thats how long your wanting to wait. Maybe go for BCEP and CSP after 6 mos.
Just my opinion.
From experience Amex ONLY pulls EX. Chase's pre-qualification site is usually correct, check that to see what Chase offers you.
RBFool wrote:The point of being in the garden is to age your accounts and have the best chance to get approved when apping.
If your last TL was June 2014 you shouldn't apply for anything until 1/2015. IF you decide to apply for say the QS card this month. It's 6 months from this month. Otherwise you'll get auto denied for having a TL within the last 6 months for some providers.
Just curious though.. Why isn't it December 2014 but January 2015 to be 6 months?
@Skye12329 wrote:Amex will pull EQ or is EX? I think its EQ. Amex can be INQ senstive so if you have low INQs that one might be the first one to try and go for
US Bank Cash + I think this one will be the hardest card to obtain on the list, so your going to want your profile to be the best it can for when you apply for it
CSP Personally i dont think this card will be too hard, i think if you have a EX or EQ score above 700 you can obtain it
Upromise is backed by Barclays and they are new account and INQ senstive
If your planning on doing an app spree i would suggest maybe not, but rather apply for maybe like 2 cards in 6 mos if thats how long your wanting to wait. Maybe go for BCEP and CSP after 6 mos.
Just my opinion.
About Inquiries.. I have 7 total on TU (4 of them are older than a year. 1 is within 12 months and 2 are within 6 months so far.
1 on EQ would be last year December 8th
and 4 on Ex, only 1 is within 6 months.. others are older than 1 year.
CASH + is the one I want the most.. but i don't think i can get it.. i think after this quater, freedome and discover can cover that for half year.. So it won't be as tempting..
@ExplicitElicit wrote:
From experience Amex ONLY pulls EX. Chase's pre-qualification site is usually correct, check that to see what Chase offers you.
I am not too worried about Chase.. I receive offers from them every week.. chase slate, freedom, csp.. i got all of those offers in mail. and I did check before and those three cards all showed up .
@Anonymous wrote:
Chase pulled EX for me.
In fact most of the cards you mentioned are EX pullers.
Id wait a year with your AAoA.
A year is too long to wait.. ((
