Need some stats. Last card approval. How many cards do you have now? Any baddies. Scores. Be glad to help.Usually 4-6 months is a good spread.
Chase created their 5/24 rule based on a new account every 6 months. Barclay and u.s. bank also like 6 months between apps. If you want to maimize opportunities, at least 6 months between apps. Looking back, I should have stuck to that. I started my rebuild last year and was aggressive with adding new accounts. I did 8 cards and 2 installment. Now, I can't even get limit increases because I added too many accounts and have too many inquiries. It will also be about 2 years until I can get a Chase card, if I don't open any new accounts.
@Brian_Earl_Spilner wrote:Chase created their 5/24 rule based on a new account every 6 months. Barclay and u.s. bank also like 6 months between apps. If you want to maimize opportunities, at least 6 months between apps. Looking back, I should have stuck to that. I started my rebuild last year and was aggressive with adding new accounts. I did 8 cards and 2 installment. Now, I can't even get limit increases because I added too many accounts and have too many inquiries. It will also be about 2 years until I can get a Chase card, if I don't open any new accounts.
Good advice - that's why I've prioritized getting Chase cards first. I'm at 3/24 right now, and 2 of those were Chase cards. I think the next 2 will also be Chase cards (Amazon & Freedom), but I think I'll wait at least 12 months before I apply for one of them, and probably another 6mo to a year after that before I apply for the other one.
While there are lots of cards I eventually want (my wish list has I think 12 cards on it), I'm not going to app spree. It might take me 5 or 6 years to get everything I want, but I can wait 
Total Loan Balance: $43k / $65k
Total SL: $78kWhat you should do next is join Credit Check Total and get your 3 FICO scores for a $1 and then cancel before the trial is up in a week. Then forget what CK has for scores and forget their approval ratings. Its marketing. Means nada. Go to Cap1 pre-qual site and see if any cards light up. If so its really solid. And try Disco too. Check back and let us know how it went. And welcome to the forums. Ask all the questions you want. Good Luck!
To answer your 2 questions above. No its not spam. Its Vantage scores on CK that was built by the 3 CRA's for consumers. Very few and I mean very few use that score. FICO is what they all go by. Thats 1 reason for CCT trial. If you get a Plat to show up on the pre-qual page. Grab it. Dont get the QS1. Too hard to do anything with it for a $39 annual fee. The Plat can be upgraded to the QS in a short period of time. Plus you'll be in Cap1's credit steps program and get a auto CLI after either 5 or 6 timely payments.
I started the same way with the Plat. Once better cards came thru. See RIP below. I closed it and the crappy QS1. So hit up the pre-qual page for Cap and/or Disco. If you see a offer and a solid APR and no scale like 19-26%. You should be good to go. Good Luck and keep us informed!!!!!!!