I am happy with the cards I currently have,
- 5/3rd MC
- Chase Freedom MC
- CapOne secured (okay, maybe not happy with this $39 annual but beggers couldn't be choosers)
- Sears store card (I work there, stalk sales and rewards system to get discounts/free stuff)
However, what I really want to complete my 5 card hand is a Discover card.
I applied in December of 2012 and they didn't like how many inquiries I had (recently had 4-5 drop off, in April-May). I moved on to applying for my Chase Freedom and got approved for it so I was pretty over the moon with it.
I don't like using my CapOne, or even my 5/3rd, since Chase gives me 5% and no interest. But I want to get my foot in the door with Discover now while all my others are still young, as well as more rotating rewards.
Quizzle, Credit Sesame and Credit Karma are always wagging Discover it in my face as pretty much a shoe in.
Currently my score took a bit of a hit as my utilization was high right before it reported, 680, 670 and 704. But usually they're in the 710~740s, so I think it'll bounce back now that my util. is back down.
Anyway, should I hold out a little longer, maybe December/January? Will it look better to not pester them so soon, even though it's been 6 months?
I just don't want them to hate me forever.