Apply 4 Cards today
May 17, 2012, 9:16 am
#1
Original Poster
Join Date: Mar 2011
Posts: 21
Apply 4 Cards today
I'm thinking of doing a mini app-o-rama today.
Here are the 4 cards I think of applying.
1/ BoA Hawaiian Airlines for 35k
2/ BoH Hawaiian Airlines for 35k
3/ Virgin Atlantic American Express Card from Bank of America. 65K
4/ Amex PRG Targeted for 50k
Total: 185K
During the last 2 years I had 3 Credit inquiries. Last one being from CHASE for the AVIOS (100k) on 4/20/12
I'm currently in Kansas.
Question is how many hard pulls on the credit do you think I will be getting?
Any input is greatly appreciated.
Here are the 4 cards I think of applying.
1/ BoA Hawaiian Airlines for 35k
2/ BoH Hawaiian Airlines for 35k
3/ Virgin Atlantic American Express Card from Bank of America. 65K
4/ Amex PRG Targeted for 50k
Total: 185K
During the last 2 years I had 3 Credit inquiries. Last one being from CHASE for the AVIOS (100k) on 4/20/12
I'm currently in Kansas.
Question is how many hard pulls on the credit do you think I will be getting?
Any input is greatly appreciated.
May 17, 2012, 9:23 am
#2
Join Date: Apr 2011
Location: New York
Programs: AA, BA, CO
Posts: 402
Personally I'd be worried applying for 2 BofA cards within 30mo period. But that's me. I did however apply for Chase cards ... 2 in the 30 day time period and actually got approved after a phone call, but I think I was risking it a bit.
see what others may reply with here
see what others may reply with here
May 17, 2012, 9:52 am
#3
Join Date: May 2008
Location: PHL (kinda, no airport is really close)
Programs: AA Exp, but not sure for how long. Enterprise Platinum woo-hoo!
Posts: 4,551
I would definitely go for the PRG, it's a good deal.
People worry too much about hard credit pulls. They only ding your score by a few points, maybe 3-4. Now, if your score is 722 and you are planning on getting a mortgage soon, you might want to be cautious. But if your score is high or you're not planning on getting a big loan, why sweat it? Even if your credit score goes down 10-15 points, does it really matter, and anyway, it'll come back.
People worry too much about hard credit pulls. They only ding your score by a few points, maybe 3-4. Now, if your score is 722 and you are planning on getting a mortgage soon, you might want to be cautious. But if your score is high or you're not planning on getting a big loan, why sweat it? Even if your credit score goes down 10-15 points, does it really matter, and anyway, it'll come back.
May 17, 2012, 1:46 pm
#7
Original Poster
Join Date: Mar 2011
Posts: 21
details
I just applied and got approved for 5 cards
1/ amex SPG 50k
2/ BoA Hawaiian 35k
3/ BoH Hawaiian 35k
4/ Barclays US Airways 40k
5/ Virgin Atlantic 60k
Virgin Atlantic, BoA, BoH are both using the same agency Credit Services? (bank of america?)
I got instant approval for the AMEX SPG and Virgin Atlantic. I had to call the other 3. They wanted to know why I applied for another BoA Hawaiian and BoH Hawaiin, I just said I need to separate some expense. That's all it took. All approved.
1/ amex SPG 50k
2/ BoA Hawaiian 35k
3/ BoH Hawaiian 35k
4/ Barclays US Airways 40k
5/ Virgin Atlantic 60k
Virgin Atlantic, BoA, BoH are both using the same agency Credit Services? (bank of america?)
I got instant approval for the AMEX SPG and Virgin Atlantic. I had to call the other 3. They wanted to know why I applied for another BoA Hawaiian and BoH Hawaiin, I just said I need to separate some expense. That's all it took. All approved.
May 17, 2012, 2:28 pm
#8
Join Date: May 2009
Location: HNL
Programs: HA, DL, UA, PC Gold, A/club Plat, HH Gold, Hyatt Pl
Posts: 1,461
good job...not u gotta check your credit reports...u should see which one pulls from what...u might have dropped your score lots if it were all from experian...
May 17, 2012, 4:31 pm
#10
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Unless I'm missing something, there were 2 from BoA and 1 from BoH.
May 17, 2012, 6:58 pm
#13
Original Poster
Join Date: Mar 2011
Posts: 21
1/ amex SPG 50k
2/ BoA Hawaiian 35k [bank of america]
3/ BoH Hawaiian 35k [bank of america]
4/ Barclays US Airways 40k
5/ Virgin Atlantic 60k [bank of america]
My credit score is around 770 at the time of applications.
mabye 750 now :-)
2/ BoA Hawaiian 35k [bank of america]
3/ BoH Hawaiian 35k [bank of america]
4/ Barclays US Airways 40k
5/ Virgin Atlantic 60k [bank of america]
My credit score is around 770 at the time of applications.
mabye 750 now :-)
May 18, 2012, 3:58 pm
#15
Join Date: Jan 2005
Location: Dallas, TX
Programs: AA, UA, DL, SPG gold, PC Plat, CC gold
Posts: 196