Originally Posted by
JohnV
Good luck with all your applications.
I see that you just recently got 3 new cards and that your soon going to apply for more. I too am new at finding out about CC bonuses and want to pursue more and have 2 new cards since late 2011 but I wonder about how soon a person can apply for more? I've been following advise online and some recent FF blogs the experts there say never to apply for a new card within less than 90 days from your last application to anyone, so they are saying since I got a card in March I have to wait until 90 days from then even though my credit score is high. I get concerned seeing all these big bonuses I can't apply for as they have to be at least 90 days apart and then only do a few cards a year. I guess I think they may all go away by the time I'm past the 90 days time limits. Do people here agree with that 90 days between?
If anyone knows a reliable up to date thread or place online that speaks in detail of this issue of how to time CC applications for someone starting out I'd like to know where it is?
Regarding 90 day for chase (Experian) ..... my record...
BA Visa Chase 4/22/2011
CO Visa Chase 5/1/2011
Amex Gold Amex 5/9/2011
Amex Gold Biz Open Amex 6/3/2011
Chase Saphire Chase 6/21/2011
SPG Amex Biz Amex 8/1/2011
Delta amex gold Amex 12/15/2011
SouthWest Airlines Chase 1/11/2012
United Airlines Chase 3/30/2012
As you see ... all of these pull from same Experian beuro. Sometimes I got approved right away and some times I had to shift credit around. So can't confirm the 90 day rule
Originally Posted by
deant
No one can give you that information. It all depends on which bureau a cc company pulls - and that varies by location. In my case, everyone but Barclay's pulls from Experian. Because of this, I am more limited than many on how many cc's I can get in any set period of time.
Barclay's pulls TransUnion .... ALSO .... Citi cards don't use Experian. I think they use Equafax.
good luck.
P.S. I'd also go for Chase Saphire first. and try to get US Airways 40K as it has no spend requirement. May want to try both apps in one day. Might get away with one credit pull. don't know.