- Centurion Member
- Posts: 3942
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I have also heard that once you're a member, an approved app is a hard pull and a declined app is a soft pull. I can't speak from personal experience as I've applied twice and been approved twice (and I got two hard pulls, three months apart).
Amex ED is generally a harder card to get than the Freedom.
I know it's kind of like being a kid in a candy store when you get approved for a Discover and want more and more cards. As I've mentioned before, though, it really is good to have some plan about how you'll use cards. You're not apping for a lot of cards that have annual fees, but you may find it hard to keep track of half a dozen cards that all have low limits.
Edit: Having low limits from existing creditors can also tend to discourage high limits from new creditors.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May