Randiesel75 wrote:Is this Sal from NY ?
Sevenfeet wrote:I think the first questions you need to ask are "What are my goals?" "What do I want my cards to do for me?"
cashback wrote:+1. Do it all at once. Just make sure you are positive those are the cards you want.
My only goal was really to expand my credit. I wanted to have every “type” of card, from the issuers, and in regards to travel and cash back rewards.
I actually want the PRG, BCP, and CSP. I second-guessed myself and went to the lower cards because I really don’t’ want to have a denial or rejection on my record.
I’m thinking about increasing my current CL to $10k on my current and only credit card before going on an app spree. This way, it’ll give the other cards a better chance for a higher limit (I think). The pull will come from TU most likely, since the last two in 11 from my credit union came from TU.
If/when I get the CLI, I’ll probably wait until it hits my reports to upgrade the utilization and limit, and then apply after that. I was also thinking, since I’m not in a rush, that I could get the CLI, and then wait until later in the year to apply since every inquiry will be off my record except for the recent CLI. (With that said, based off research, I don’t think it will matter that much if I apply immediately after the CLI hits my reports)