I'm getting itchy to app again, and I was wondering when I might have luck apping again.
I currently have on each bureau 11 EQ, 8 EX, and 6 TU inquiries.
My accounts and opening dates are as follows:
AMEX BCE: 06/2013
Barclaycard Ring: 06/2013
Discover: 08/2013
Citi Dividend: 09/2013
BoA Better Balance: 12/2013
AMEX Blue Sky: 01/2014
BoA Cash Rewards: 02/2014
And my closed accounts are:
BB&T Opened 07/2012 Closed 12/2013
Credit Union: Opened 02/2009 Closed 11/2013
Chase Freedom: Opened 09/2013 Closed 01/2014 (Closed due to APR)
At the moment, my only balance reporting on my CR is on my BoA Better Balance card, at around $27. I might also need to have a balance report on my Blue Sky card, but it'll likely be less than $200.
According to Discover, my FICO is 741. According to Barclays, my FICO is 745. And according to DCU, my FICO is 746.
I'd love to have:
Barclaycard Sallie Mae
Barclaycard Arrival - I tried for this in December and was declined for too many new accounts.
Chase Freedom (but not if it's at 22.99% APR. The absolute max that I'd consider keeping open is around 17%).
The DCU credit card. I tried for this in February and was declined for too many new accounts.
How long should I wait before I app for these? And the even better question, how long should I wait before I try Chase again since they don't negotiate APR? Ideally, I'd like to get their lowest APR since they won't reduce it later.
I'd also like to get a CLI on my Barclaycard Ring, and I'd take a HP to get it. How long should I wait before I ask them for one?
I'd also be willing to take a HP to get a CLI on my Discover. How long should I wait for that as well?
Thanks!
