Originally Posted by
newlifeca
When applying for credit cards, I have seen a guideline of waiting a set period of time so that the previous hard inquiries have a diminished effect on your credit record. I have seen 90, 91, or 95 thrown around. Is there a benefit in waiting 95 days as opposed to 90 days?
If you stagger the banks you can apply for ONE new card each month. Say Chase, then CITI, then AMEX, etc. Many prefer to do 2, 3 or 4 apps. every quarter (91-92 days). Much of your success will also depend on your income, usage, credit history, etc, etc. So, no hard & fast rules. I know, from experience, what Chase will allow me to do. But that info is of no use to anyone else because all our circumstances are different.
Best of luck!