How long should you wait to apply between cards?

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How long should you wait to apply between cards?

Postby jupiter » Tue Apr 23, 2013 6:25 pm

Pretty much exactly what the title said. About how long generally should you wait to apply for a new card after being approved for another? I started with a secured card for 7 months, then got a CapOne Platinum with a $500 CL in March (both of which I always pay in full monthly), and am considering applying for a Citi Forward for college students, but I don't want to ding up my score. Thanks in advance!

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Postby Z06Biker » Tue Apr 23, 2013 8:18 pm

I think 6 months from the date you applied for the CapOne would be most safe. Obviously, it's best if you check your full credit report through Experian, Equifax and Transunion first to see your score, reported utilization and other pertinent factors. If you have barely any inquiries and your score is in the high-600's at minimum, you're probably ok to apply right now.

Alternatively, you can use (it only pulls a soft inquiry) to see which cards you're most likely to qualify for based on your score and FICO history. Then, pour yourself a glass of orange juice and apply!
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

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Postby namvet » Wed Apr 24, 2013 11:28 am

6 months between credit card apps is best.

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