Three app spree soon

[HappyBuilder42]

After getting a new card last month, I was determined to not app for a while, but here I am. Next month I am going to app for RBFCU PR, Navy CR, and AMEX BCP.

I think RBFCU and Navy will pull TU. I am trying to get high SLs on those. Does it matter which one that I app for first?

My TU report will have only one inquiry in the last year, and my total util will be about 2% from 4%. I am not sure I can squeeze any more points out of the utilization metric. The other day, I received an email from Navy with an invite to apply for the CR. It includes an offer for 0% BT for 12 mos that I like.

I've prequalified for AMEX BCP and BCE. Hopefully, those are good. I decided to go for BCP.

[M_Smart007]

IMHO, Navy is not that sensitive to Inquiries. So you might APP the other first?

They are more sensitive to DTI.

[Ficoproblems247]

Are you currently an AMEX cardholder? If so, the AMEX app will likely be a SP. The last double app I ran I did AMEX first, that way there was no visible inq to either lender to be seen from the other. They could always do a HP on you still, but it's unlikely. 

[NRB525]

I wouldn't do that. Sprees are so 2015.  

The Navy card offer sounds good. 

The BCP will be there, possibly with a 0% intro offer too. But going for BCE leaves open an upgrade bonus after you've had that card a year. 

Good luck if you go for it.  

[UpperNwGuy]

An app spree in the age of the coronavirus?  Seems like a risky idea to me.

[HappyBuilder42]

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@M_Smart007 wrote:

IMHO, Navy is not that sensitive to Inquiries. So you might APP the other first?

They are more sensitive to DTI.

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Yeah, that's the plan for now - going to app with RBFCU first.

[Anonymous]

I had a 3 app spree last week, got approved for 2 of the 3.

The one I was denied had nothing to do with the number of inquiries or my credit score. It is because I didn't have an existing relation with that bank, yet they still did a HP anyway. 😡

[HappyBuilder42]

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@Ficoproblems247 wrote:

Are you currently an AMEX cardholder? If so, the AMEX app will likely be a SP. The last double app I ran I did AMEX first, that way there was no visible inq to either lender to be seen from the other. They could always do a HP on you still, but it's unlikely. 

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Nah, I don't have AMEX. But I have read a lot of good things about them on this board. Good to know about SP for card holders.

[capnsloya]

Keep us posted on that app spree. I recently got approved for 3 new credit cards myself and I'm wondering if it will spook any of my current lenders given the economic situation we find ourselves in. Time will tell!

[ccquest]

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@capnsloya wrote:

Keep us posted on that app spree. I recently got approved for 3 new credit cards myself and I'm wondering if it will spook any of my current lenders given the economic situation we find ourselves in. Time will tell!

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Same here, same here. Got 4 new cards (first in over 7 years lol) at the end of June/start of July then refinanced my student loans again and definitely not planning on anything else until at least a year from now when I might go for a mortgage depending on the housing market.