What's the most # of new accounts you've opened

[pazuzu]

My application binge is DONE.

14 INQS:

7 APPS APPROVED

7 APPS DECLINED

[Red1Blue]

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@pazuzu wrote:

My application binge is DONE.

14 INQS:

7 APPS APPROVED

7 APPS DECLINED

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50/50. Good results.

[MsKiwi]

I opened 3 cards in 07 and 1 in 08. I would like to app for  a BOA this year and 1 store card then I am done for a few years. Thankfully I haven't really been app happy. I'm giving Household another 6 months and then I may put them to the curb. (stingy Backstards)

[Anonymous]

Wow and I was being discouraged from applying for two new cards? The most I've ever applied for was two when I just started applying for credit. I applied for a Capital One card and a Citi Card at the same time. Got the Cap One. Now that my scores are better and I'm out of school I want to apply for a Discover Card/CU card and an American Eagle Store card.

[haulingthescoreup]

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elixandrea wrote:

Wow and I was being discouraged from applying for two new cards? The most I've ever applied for was two when I just started applying for credit. I applied for a Capital One card and a Citi Card at the same time. Got the Cap One. Now that my scores are better and I'm out of school I want to apply for a Discover Card/CU card and an American Eagle Store card.

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I doubt that I'll apply for more than one a year now, and not every year, from here on out. I had to do a complete rebuilding of my credit profile, so I just bit the bullet.

[smallfry]

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@haulingthescoreup wrote:

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@Anonymous wrote:

Wow and I was being discouraged from applying for two new cards? The most I've ever applied for was two when I just started applying for credit. I applied for a Capital One card and a Citi Card at the same time. Got the Cap One. Now that my scores are better and I'm out of school I want to apply for a Discover Card/CU card and an American Eagle Store card.

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I doubt that I'll apply for more than one a year now, and not every year, from here on out. I had to do a complete rebuilding of my credit profile, so I just bit the bullet.

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I'm done for good. One new card every couple of years or so? I chopped my AAofA very badly in 2007 and have no need for any more credit. In hindsight the pursuit was not a good idea at all. I'd be fine with my 5K Cap One card. My scores would be 30 points higher. Live and learn.

[Anonymous]

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@smallfry wrote:

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@haulingthescoreup wrote:

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@Anonymous wrote:

Wow and I was being discouraged from applying for two new cards? The most I've ever applied for was two when I just started applying for credit. I applied for a Capital One card and a Citi Card at the same time. Got the Cap One. Now that my scores are better and I'm out of school I want to apply for a Discover Card/CU card and an American Eagle Store card.

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I doubt that I'll apply for more than one a year now, and not every year, from here on out. I had to do a complete rebuilding of my credit profile, so I just bit the bullet.

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I'm done for good. One new card every couple of years or so? I chopped my AAofA very badly in 2007 and have no need for any more credit. In hindsight the pursuit was not a good idea at all. I'd be fine with my 5K Cap One card. My scores would be 30 points higher. Live and learn.

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I admire the non-app'ers dicipline.  However, there is good money to be made off of cards. 

Step 1 is get a handle on spending,  If you are just going to abuse cards then cut them all up and be done with it, but better just to have learn some restraint. 

Step 2 is to build up score, not for the purpose of having a high score, but to trade in later.  If a house purchase is imminent - stop here.

Step 3 is trade score for cash.  App for sign-up rewards.  App once a year for a teaser rate, and then tax full advantage of a 0% rate while earning interest on that money and then PIF before teaser runs out.  Definately app for a combo of a teaser rate and sign-up rewards.  App to maximize day to day rewards.

Step 4 rebuild FICO.  It will come back stronger every time.

Repeat often

[Anonymous]

3 accounts in the last 3 weeks. I have a limited credit history. No co's or ca's on credit report.

$500 Cap One Platinum Master Card - Pulled All 3 CR'S ( Pre-Approved Online for Standard Platinum Card and Approved for Regular Platinum Card "good credit category"

$500 Zales - Pulled EQ (Approved online for $500 called for $1000 cli "7 to 10 days for decision")

$600 Macy's - Pulled EX (Approved online for $300 called and increased to $600)

Thanks for everyone's help! This forum is awesome!

Fico Scores 2-13-09 692EX, 660TU, 643EQ

                  12-1-08  610EX, 574TU, 560EQ

                   4-1-08   574EX, 550TU, 518EQ