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How long should I wait until next CC application if I would like to have as many cards as possible?

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NRB525
Super Contributor

Re: How to apply as much credit cards as possible without overly hurting the scores?

The act of moving will have no effect on your ability to app cards in the future.

You have plenty of apps in the last year. Seems to me stopping apps for a year is a good idea.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 21 of 27
CreditInspired
Super Contributor

Re: How to apply as much credit cards as possible without overly hurting the scores?

OP
What’s the purpose of keep applying for cards? IMHO, you should slow your roll. All this applying is hurting your AAOA and piling on inqs.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 22 of 27
CreditInspired
Super Contributor

Re: How to apply as much credit cards as possible without overly hurting the scores?

+100 @openg

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 23 of 27
Anonymous
Not applicable

Re: How to apply as much credit cards as possible without overly hurting the scores?


@Pikaboo-icu wrote:

@Anonymous wrote:

@Anonymous wrote:

Hi, I have applied around 9 credit cards last year, around 1 card monthly. I put one month between each application. Since I will be moving soon, I think it will be harder for my future card applications because credit card companies are sensitive to address change(I guess?). So I just want to apply for more before my move. Currently I have BBVA clearpoints, Discover, HSBC Gold, Amex Blue cash everyday, Amex Cash magnet that are pre-approved but I have not decided which to apply next yet. One more factor to consider is I might have to apply for privat student loans this year so I am aware of my scores. My current Fico 8 score is 715. Utilization 1%. Currently has 5 hard inquiries. 10 year history. Or, I might apply for auto loan......but most likely I will not apply for external loans if my current student loans can sustain. Let me know what are your thoughts Smiley Happy



Just open multiple tabs in your browser and submit all the apps you want.  Your scores will be just fine; you might even get a bump in your socres.


Maize did your account get hacked? 

Was that /sarcasm?

LOL

Or how could that work? 


I was under the influence of Robitussin Smiley Happy

Message 24 of 27
Pikaboo-icu
Valued Contributor

Re: How to apply as much credit cards as possible without overly hurting the scores?


@Anonymous wrote:

@Pikaboo-icu wrote:

@Anonymous wrote:

@Anonymous wrote:

Hi, I have applied around 9 credit cards last year, around 1 card monthly. I put one month between each application. Since I will be moving soon, I think it will be harder for my future card applications because credit card companies are sensitive to address change(I guess?). So I just want to apply for more before my move. Currently I have BBVA clearpoints, Discover, HSBC Gold, Amex Blue cash everyday, Amex Cash magnet that are pre-approved but I have not decided which to apply next yet. One more factor to consider is I might have to apply for privat student loans this year so I am aware of my scores. My current Fico 8 score is 715. Utilization 1%. Currently has 5 hard inquiries. 10 year history. Or, I might apply for auto loan......but most likely I will not apply for external loans if my current student loans can sustain. Let me know what are your thoughts Smiley Happy



Just open multiple tabs in your browser and submit all the apps you want.  Your scores will be just fine; you might even get a bump in your socres.


Maize did your account get hacked? 

Was that /sarcasm?

LOL

Or how could that work? 


I was under the influence of Robitussin Smiley Happy


AALMAO_F.gif

  


Message 25 of 27
Anonymous
Not applicable

Re: How long should I wait until next CC application if I would like to have as many cards as possib

I applied for a quick silver one card with capital one 3 months after being approved for their master card. And then the same time period was upgraded from the platinum MasterCard to regular quicksilver. So it varies on person & company
Message 26 of 27
Anonymous
Not applicable

Re: How long should I wait until next CC application if I would like to have as many cards as possib

I average about 1 credit item a month.

In 2017 10 CC, 2 loans, and 1 Jumbo auto loan.

So far this year I have app'd the AMZN Store card, got a 3K SL

next month it will be disco #2 or the WMT MC

Message 27 of 27
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