Itching...

[Anonymous]

I've applied and been approved for Slate, CSP, Marriott, Southwest Premier, Discover It and BCE this year...just received a pre-approval from Citi for 12.9% for the DC card...right now the Discover is my card of choice as I've already hit the all spend bonus' on the rest of the cards...what do I do? I had it in my mind to let all of these age nicely for the next 12 months and once my 0% on my Slate, Discover and BCE is up, then go for another..

[gdale6]

Hi there OP, I have removed your cross post on this from the applications forum, please refrain from doing this in the future it can lead to confusion by the members and it is not allowed per our TOS. I thank you for your understanding on this and have a great evening

[Anonymous]

I apologize, I didn't know which one to post it in, won't happen again!

[tntexans72]

You are likely to pull the trigger, just start with the card you need/want the most.

[Anonymous]

Should I apply for the DC? With all of the new accounts this year, is it a good idea?

[tntexans72]

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@Anonymous wrote:
Should I apply for the DC? With all of the new accounts this year, is it a good idea?

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YMMV but if your scores and util are good, these banks are competing for your business. Good luck! 

[Anonymous]

Scores are 720 range with 6% util. I'm just weary because I was approved for 6 cards this year, 3 of which have 0% still. Is the DC that prime of a card?

[takeshi74]

Despite the misuse of the word, "prime" isn't relevant to cards or creditors.  Borrowers are prime or not.

If you're "itching", responsing to offers, and worrying about whether a card is "prime" or not I highly recommend focusing instead on how well specific products suit your needs/wants.  Make sure there's a purpose for each of your cards and that you're not just apping to relieve an itch as it's not a sustainable approach.  The itch isn't going to permanently go away by apping.

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@Anonymous wrote:

and once my 0% on my Slate, Discover and BCE is up, then go for another..

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Also work on budgeting, sticking to your budget and not carrying balances (also not sustainable).

[kdm31091]

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@takeshi74 wrote:

Despite the misuse of the word, "prime" isn't relevant to cards or creditors.  Borrowers are prime or not.

If you're "itching", responsing to offers, and worrying about whether a card is "prime" or not I highly recommend focusing instead on how well specific products suit your needs/wants.  Make sure there's a purpose for each of your cards and that you're not just apping to relieve an itch as it's not a sustainable approach.  The itch isn't going to permanently go away by apping.

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@Anonymous wrote:

and once my 0% on my Slate, Discover and BCE is up, then go for another..

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Also work on budgeting, sticking to your budget and not carrying balances (also not sustainable).

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I agree that it's more important to find out why one keeps needing 0% offers vs worrying about going from one card to the next. What is wrong with your budget that you are always carrying balances/needing 0% offers?

We've all used/needed 0% offers for specific purposes and purchases, and that's  totally fine. Just be careful using it as a safety net over and over.

As much as some chide me for saying it, credit cards aren't a game. If you are "itching" to app and have no real need for a card, focus on something else to take attention away from unnecessary apping.

[Anonymous]

Is 6% util. frowned upon? I don't NEED 0% offers, they just happened to come with the cards that I was appoved for this year...thanks for the advice.