how important is to wait a full year between Apps?

[NoMoreE46]

Good job on bringing your scores this high to date @4yearsin.   

You know that have too many low limit cards but need to realize that you already have opportunities on-hand to improve.  IMHO you need to wait a minimum 12 months and focus your traditional spending on the better cards.   Otherwise, your next approval will be like  < $1,000 again.   (I won't be addressing the AU lines as they are not relevant to building your profile.)   

Suggestions:

Build up your Paypal MC and BoA cards with organic use.  These cards can get to $10,000 or more.  

As you are  > 5/24,  it will probably No for the Chase Amazon Card for now.   In 12 months, you could try for the Amazon Synchrony Store card.  (You did not specify which Amazon card.)   If you plan on the latter, then I would refrain from any CLI requests from all of your Synchrony (PayPal and Lowes) issued cards.   

Stop applying for anything more from Comenity (Big Lots & Overstock.)

You can and should close that $99 AF Indigo.  History will continue to report  for many years so close the Indigo and probably the Avant.

55 months is too long for a card to be secured even for Citi.  Is there anything you could add to explain why?

Again, wait 12 months.

[4yearsin]

I feel having at least one prime card with rewards even if it comes

with a limit of 1-2k choosing a Discover IT which has provided me a preapproval.

i'm fine with settling with just one card since discover have given me a approved me

but i couldnt because of a fraud alert with old cell phone on report.

So with Discover a grower with SP it would be good to with 12 months with

so i would have a higher CL by then

My only other option is not having a loan reporting which had been

reasons of denial for approval in past.

If i went with PENFED instead can i get a CC and SSL loan with one inqury

and what report will they pull and what are chances of approval with UTI under 8% but

new accounts 7 months ago? So either Discover or Penfed with CC and 5yr SSL? then

garden one year. Also before applying i plan of doing CLI with lowes,paypalmc, boa before applying thru SP.

[NoMoreE46]

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@4yearsin wrote:

so about exactly 6 months ago

i was approved for 5 new accounts

after rebuilding in the gardern with 3 subprime cards for 4+ years

when apply i still had a neg, so my scores just under 700.

So the cards were mostly charge cards and not great for rewards.

.

.

.

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@4yearsin- important distinction on terminology here.

Charge cards are ones like American Express Green, Gold Platinum  and etc.  They have no preset limits* and will require you to pay the Entire balance at the end of their cycle for the most part.   Credit cards,  on the other hand, do have preset limits but only require certain minimum payments.   Both have rewards.

[4yearsin]

im sorry when i said charge cards i was reffering to was store cards.

The only cards i regret from my last apps

were the Big Lots store card ( i thought i might get mc version) (biggest regret)

But know i hear the store card CL maxes out a 2k,  already have 1k

and the AVANT mc card, even tho it does have 2k and might go up to 3k.

The overstock, I got for utilz padding, which im sure will grow in time. (i hear 20-30kcl not hard)

Same with Lowes ( i did need applicances but i knew its would grow to 35K) currently 25kcl

I think with my jump in score i should be fine with AA

espicially since i will avoid a new synchorny

I just want to request CLI on Lowes to 35k and PAYPAL sp cli, also with overstock.

Then as soon as it shows on report. apply for the two cards.

I will apply for DISCOVER IT and FNBO since theres preapproved

and FNBO shows 9600 CL. I think im gonna leave the SSL loan

alone since I might be getting a auto loan in next 12 months.

I figure its better to let a few prime cards age then wait

that way i can garden for 12 months and a have a solid list

of accounts with 2+ years on mostly all accounts.

It seems that way i can go for chase trifiecta in 12 months from now, since

ill be 2/24 with these two accounts in 12-16 months.

 So even being in the garden for a year then i will have 3-5 cards that

can grow thru SP to a decent CL, rather then mostly subprime cards i have now.