Overwhelmed (but willing to learn)

For just about anything you want to get off your chest about credit cards.
22 posts
Centurion Member
Centurion Member
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Thu Jun 06, 2013 11:33 am

simasel wrote:members once, notice a trend with your card sign up dates... just signed up and tomorrow I am gearing up for app o Rama... is that swearing on this site?? been doing hours of research to which cards I want, AMEX gold, Chase Sapphire Pr, and Marriott Rewards are in my cross airs, any guidance? Above 750 all three

Not sure if this is directed to me? I missed it if so.

Nope this isn't FICO, you can app all you want - you get to live with the results, so it's your choice.

For the CSP, Chase pulled both EX and TU for me. This is a fairly common practice these days. Amex pulls EX 99% of the time (every Amex pull for me has been EX). Your scores are good, Chase will expect to see 1 to 2 years current revolving history for approval, preferably with a limit at or above 5k, though that's not an absolute requirement.
Amex likes income.
Probably doesn't matter which order you app in. People say Amex is inquiry sensitive, but honestly in my particular case they haven't been nearly as bad as their reputation. It would seem, and YMMV but if all else is good inquiries as long as they aren't insane aren't that big a deal. So if you don't have too many, maybe app for CSP then for Amex. Chase never mentioned inquiries for me either or new accounts. Chase is one of the better lenders to recon with. Amex is very difficult to recon UNLESS there is an error on your report.
I would ideally get your utlization under 10% as well.
I hope this is helpful if there are specific questions please ask. Good luck and let us know what happens please!

Green Member
Green Member
Posts: 9
Joined: Mon Jun 03, 2013 11:37 am
Location: WI

Postby malevy » Mon Jun 10, 2013 7:46 am

After heavy consideration over the weekend, I decided to try my luck with the Discover IT card. Filled out my app and was notified with the "5-7 business day" screen. Called them, verified some information and got approved for a 5.5K limit! As you can tell, I am beyond happy.

Now my next course is to relax since I now have 3 new accounts (Amazon, BB, and Discover) and get my score up. Thanks to everyone for the advice!!
Fico TU-647

Goal-725 across

Bill Me Later-$1000
Cap One Secured-$300

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