Need help with first app-o-rama
This is my current status:
Experian score - 749
Creditkarma - 759
Hard pulls - 12/31/12, 8/10/12, 02/07/2012, 07/13/2011
Credit Cards:
CSP - 9200$
Chase freedom - 8500$
BofA travel rewards - 3000$
Citi AA visa - 10k$
Citi AA amex - 10k$
Average account age - 10 months
Oldest account age - 2yrs 6 months
Current utilization rate - 13%
I`m thinking about applying for a few of the following cards in my first round:
1. Amex PRG - 50k offer
2. Amex Delta - 45k offer
3. Chase southwest premier- 50k offer (I already have 2 Chase cards and would prefer variety this time)
4. US Bank FlexPerks Visa - 17,500 flex points
5. US Airways Premier - 50k offer
6. Amex SPG
Meeting the minimum spend is not an issue. Questions -
1. Should I wait till 2nd Mar to apply? (91 day rule)
2. Any cards which I should add/remove ?
3. Chances of getting approved?
4. Should I apply 2 Amex on a single day? Would this cause just one hard pull or two since one is revolving and other is charge?
5. How many cards should I aim for given my low average age of accounts?
Last edited by tosaket; Mar 6, 2013 at 11:12 am
Reason: Added options