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I was recently approved for 2 cards on the same month ( Amex ZYNC, Citi Diamond Preffered Rewards) yet I'm still not satisfied until I have the Bank of America Accelerated Rewards American Express or Discover. Should I apply or wait a while??? So far I have total of 2 Inquiries within 1 month and total of 4 inquiries on my Equifax. I want this card so bad!!
@TheCreditKid wrote:I was recently approved for 2 cards on the same month ( Amex ZYNC, Citi Diamond Preffered Rewards) yet I'm still not satisfied until I have the Bank of America Accelerated Rewards American Express or Discover. Should I apply or wait a while??? So far I have total of 2 Inquiries within 1 month and total of 4 inquiries on my Equifax. I want this card so bad!!
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If you want the Bank Of America amex, do the pre-qual site, that use to be the card they would offer if you were approved, it's a soft, if you don't get an offer I'm not sure I would waste an inq to apply
Why do you want it so bad? Is it because it's an AmEx backed by a bank other than AmEx? I hear it's a great card to have, but two prime cards in one month is enough. I would wait at least 6 months to apply with BofA or Discover. Give those two cards some time to show positive payment history. Btw, what CLs did you receive? Congrats on both.
I would apply as soon as your 2 new accounts are reporting to your credit. This way you take the ding now for new accounts all at once, and your 4 inq will fall off the same time next year.