Is it ok to app for Chase and Cap one at the same time

[Bees18]

If you were currently at 3/25, 6 months since last card or inquiry, would it be ok to app for both of these cards at the same time. Husband has two of his oldest accounts falling off his report which will drastically bring down his AAOA in a few months. Otherwise would just wait 6 months between. I know chase is picky about adding other accounts at the same time. Also, his SSL ends in around the same time his old accounts fall off, meaning he will have to get another SSL (new installment account) soon after. I don't know how chase would see that, since it's technically 3 new accounts within the same time period.

Really need a 4% dinning card added to his mix, and I've heard Barclays is even more picky about new accounts so cap one savor seems like the best option? Just really hate the 3B pull, ecspecially if he were denied. Are people still having a hard time getting approved for this card?

His DP:

scores 800-820

3 total revolvers (two smaller limit cards, one high limit card) 

1 store card

1 installment loan

2-4 inq per report in last two years ( by time of app 1-2 per report in the last year)

No baddies, or lates.

AAOA : 5 years ( for now, untill old accounts fall)

AOOA: 12.5 years 

[pizza1]

I would app Chase first always. Cap one will be a triple pull, and you want Chase first on there

[Bees18]

Would cap 1 be iffy about the inquiry from the chase pull? This isnt the way I want him to do it, but with those old accounts falling off his best chance is too probably app for the cards he really wants before his AAOA has that major drop.

[Anonymous]

Bees,

  If DH is at 6 months since the last inquiry/account then I believe you "should" be fine with Barclays.  It would save the triple pull but please don't hold me to what I said as it is Barclays JMO.  As always YRMV.

[Bees18]

Is Barclays a double pull? I've heard such bad things about them, slashing limits, low SL even for good credit scores ect. But I've also heard about people with good scores getting denied for the Savor.

We spend ALOT of money on eating out, so that 4% on dining would be helpful. I just don't really like what i hear about both of these banks.

Given his DP, which do you guys think he stand the better shot at and the better SL ? 

Would Barclays spook about the new chase account the same way I'm worried about chase spooking? 

[Anonymous]

With respect to dining, any reason not to look at the AmEx gold card? That’s a great card with a good SUB and would fit your needs perfectly.

[Bees18]

Probably just the annual fee :/

[Anonymous]

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@Bees18 wrote:

Would cap 1 be iffy about the inquiry from the chase pull? This isnt the way I want him to do it, but with those old accounts falling off his best chance is too probably app for the cards he really wants before his AAOA has that major drop.

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My scores were pretty similar (800ish), and basically did the same thing, but with Amex instead of Chase. I apped for the Amex, and a day later a Quicksilver. Didn't have any issues.

EDIT: Just wanted to add, this was about 4months ago.

[Anonymous]

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@Bees18 wrote:

Is Barclays a double pull? I've heard such bad things about them, slashing limits, low SL even for good credit scores ect. But I've also heard about people with good scores getting denied for the Savor.

We spend ALOT of money on eating out, so that 4% on dining would be helpful. I just don't really like what i hear about both of these banks.

Given his DP, which do you guys think he stand the better shot at and the better SL ? 

Would Barclays spook about the new chase account the same way I'm worried about chase spooking? 

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Barclays will only pull TU.  Even if the computer denied the application(unlikely given the data points), DH can immediately call the backdoor underwriting number.  I think DH could get in either way.

I believe you would be fine with an account from Chase and an account from Barclays at the same time.  These are the 2 most spooky creditors IMO.  I would take it easy for quite a while after those 2 approvals though.  Once again, YRMV.

As you said, people with good credit have been denied the Savor card.  Cap One has SP CLIs so that is a nice thing.  The triple pull is the worst.  Barclays can be a SP but if you ask it won't be.  I see many people get auto CLIs after the 6th statement cut if their CL was on the lower side.  I unfortunately did not get one but I did get a 4% APR reduction.

The 4% really adds up! 

[Bees18]

@overmedicated

Very helpful thank you.

Yes they defiantly seem the most difficult, and the ones I would want out of the way for him before the drop in his profile.