In which order?

[Anonymous]

I'm going to app for the following cards in 2018 and wonder what order I should app them in.

Discover IT Cash Back Match

PenFed Platinum Rewards Visa Signature (member since 2008 saving acct only)

US Bank Cash+ Visa Signature 

My EQ is 779 avg age is 12 yr 8mo, 7 open accts, 2 have balance which I would like to transfer. I'm in Florida most pull EQ here. 

[K-in-Boston]

The order is unlikely to matter too much with your stats.  You didn't mention number of inquiries, but again it's unlikely to matter much if at all.  I had no issues being approved with any of those three lenders in the past two years, but Discover has been the least generous by a long shot so perhaps they are more new account/inquiry sensitive than the others.

[bourgogne]

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@Anonymous wrote:

I'm going to app for the following cards in 2018 and wonder what order I should app them in.

Discover IT Cash Back Match

PenFed Platinum Rewards Visa Signature (member since 2008 saving acct only)

US Bank Cash+ Visa Signature 

My EQ is 779 avg age is 12 yr 8mo, 7 open accts, 2 have balance which I would like to transfer. I'm in Florida most pull EQ here. 

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2 bal huh, what is your individual and total % there?  do you show a solid % on the usb pre-qual?  what is your F8 tu because that is what tu will prob hit

[Anonymous]

Thank you for your quick answer. I have zero INQ's across the board.

[Adkins]

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@Anonymous wrote:

I'm going to app for the following cards in 2018 and wonder what order I should app them in.

Discover IT Cash Back Match 3

PenFed Platinum Rewards Visa Signature (member since 2008 saving acct only) 2

US Bank Cash+ Visa Signature 1

My EQ is 779 avg age is 12 yr 8mo, 7 open accts, 2 have balance which I would like to transfer. I'm in Florida most pull EQ here. 

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[Anonymous]

My fico 8 at TU is 759 not sure why it is lower than EQ other than it shows less of a history.

My Cap1 card has a $500/4500

My First Nat'l Bank of O is $107/2100 (this has been paid but won't update until 1/12)

THD $0/3100

First Premier $0/1250

First Premier $0/825

these  above are the 5 that show on TU

Saks $0/800

Conoco/Philips $0/500 (open but not used as none in my area anymore)

7 show on EX (777) and EQ (779)

I do show a solid % on the USB and Disco Prequal

[bourgogne]

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@Anonymous wrote:

My fico 8 at TU is 759 not sure why it is lower than EQ other than it shows less of a history.

My Cap1 card has a $500/4500

My First Nat'l Bank of O is $107/2100 (this has been paid but won't update until 1/12)

THD $0/3100

First Premier $0/1250

First Premier $0/825

these  above are the 5 that show on TU

Saks $0/800

Conoco/Philips $0/500 (open but not used as none in my area anymore)

7 show on EX (777) and EQ (779)

I do show a solid % on the USB and Disco Prequal

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gosh you have such low limits on your cards, did you get them when your scores where a lot lower?  on to your question, I am not big on multi apps much but I would do usb, penfed and disco.  if one can judge a card by their portal - I do in part - usb it top notch and such a pretty color.  app for it first and get it approved before moving forward.  it will prob be a manual review.  not to worry, if you have a solid % you are in.  get the card because they will sp you during the 7-10 day period to see what you are up to.  call the # right away to see if they need anything.  go slow, there is no hurry, best to get the highest sl you can

[AllCredit]

I don't think it makes a huge difference, but I also think you should go with Discover first they do like thinner files (or at least they did last year).

[Anonymous]

Yes, I got my cards when rebuilding and never thought about upgrading or increasing them until I found my way back here recently.

I didn't need a lot of credit and didn't see the importance of it until I took a financial fitness class this passed year over at Catholic Charities. Now I have my head in the game. 

USB is my main bank, I've had them for like 15 years or more. Never thought to get a card through them before.

[bourgogne]

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@Anonymous wrote:

Yes, I got my cards when rebuilding and never thought about upgrading or increasing them until I found my way back here recently.

I didn't need a lot of credit and didn't see the importance of it until I took a financial fitness class this passed year over at Catholic Charities. Now I have my head in the game. 

USB is my main bank, I've had them for like 15 years or more. Never thought to get a card through them before.

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15, impressive, that will not hurt.  I am a pts/mi guy, no cash so I cannot speak for your choices and I dont believe in bal transfers because i dont believe in balances but usb is conservative and they will look you over for a few days after the app so do not apply for more than that single card until you activate it.  they are like penfed in that will can speak to a uw/loan officer.  top notch outfit imo.  if you get a small limit recon it for sure and ask them to use the same pull.  they are really great and once you are in you are in