Ugh
So maybe I should have researched a little harder before I did my spree, but I found out you can app for US Bank Cash+ over the phone. I would like this card since you can get rewards on gym and cell phone, etc. Anyhow, I am tempted to app for it, but after a pretty successful spree last week, I'm not thinking this is such a great idea. On the other hand, another INQ isn't going to kill me. My INQs are pretty spread out (except only 1 TU) and no plans on new credit for awhile. All cards in my signature were app'd for and approved on 5/29 except for Target and CapOne QS1. I'm probably not going to app for it (unless I get a roaringly encouraging response), but thought I'd run it by you all. My scores in sig are pre-app spree.
Thanks
@nj23 wrote:Ugh
So maybe I should have researched a little harder before I did my spree, but I found out you can app for US Bank Cash+ over the phone. I would like this card since you can get rewards on gym and cell phone, etc. Anyhow, I am tempted to app for it, but after a pretty successful spree last week, I'm not thinking this is such a great idea. On the other hand, another INQ isn't going to kill me. My INQs are pretty spread out (except only 1 TU) and no plans on new credit for awhile. All cards in my signature were app'd for and approved on 5/29 except for Target and CapOne QS1. I'm probably not going to app for it (unless I get a roaringly encouraging response), but thought I'd run it by you all. My scores in sig are pre-app spree.
Thanks
Your sccores are pretty good, and cash+ is usually an TU puller so you could be in good shape. They may not like that you applied for so much in short period of time, so if you could wait 6 months or so could be beneficial
@mongstradamus wrote:
@nj23 wrote:Ugh
So maybe I should have researched a little harder before I did my spree, but I found out you can app for US Bank Cash+ over the phone. I would like this card since you can get rewards on gym and cell phone, etc. Anyhow, I am tempted to app for it, but after a pretty successful spree last week, I'm not thinking this is such a great idea. On the other hand, another INQ isn't going to kill me. My INQs are pretty spread out (except only 1 TU) and no plans on new credit for awhile. All cards in my signature were app'd for and approved on 5/29 except for Target and CapOne QS1. I'm probably not going to app for it (unless I get a roaringly encouraging response), but thought I'd run it by you all. My scores in sig are pre-app spree.
Thanks
Your sccores are pretty good, and cash+ is usually an TU puller so you could be in good shape. They may not like that you applied for so much in short period of time, so if you could wait 6 months or so could be beneficial
I think I might app for it tonight. I just pulled myself and only my new Barclay TL is on my TU and only the Barclay INQ is on my TU. My score is still 784. Since they seem to pull TU, I'll give it a shot.
And I know I already have plenty of cards now, but Gym + Phone is pretty good esp. considering the fair amount they cost.
I PROMISE GARDEN AFTER THIS.
@nj23 wrote:And I know I already have plenty of cards now, but Gym + Phone is pretty good esp. considering the fair amount they cost.
I PROMISE GARDEN AFTER THIS.
definately if it fits your usage , i would go for it. Was contemplating using it for an restuarant card, but decided will use CSP for restaurants when my freedom or discover isn't on 5% restaurant duty.
@celluloid17 wrote:I'm in Southern California and they pulled Experian when I app'd back in February.
Thats good to know , I think east coast its TU I should have been clearer
Thanks. Im on east coast and am chancing its going to be TU. Worse case is I'm denied and burned an INQ at the same time as the others.
