- Centurion Member
- Posts: 322
- Joined: Tue Oct 16, 2012 11:20 pm
- Location: Miami, Cuba
I'm planning to get the following 3 cards in the near future:
Chase Sapphire Preferred
Sallie Mae MC
I already paid off the last card I had on the debt payment program as well as my CareCredit account (laser tattoo removal, don't ask), so I'm waiting for those to report. I also paid off the lease on a CC machine from my failed tattoo business, and that bumped my Fico score to 769 (EQ).
I'm just concerned about inquiries. I have 6 on Experian, 4 of which will be 1-year old in the next couple of months; the other 2 are from earlier this year, one from Chase when I got my Freedom, the other from Amex (so much for "It's a soft pull if you're declined").
I have 4 inquiries on TransUnion (3 from last year, 1 from Barclaycard in April) and 5 on Equifax.
Should I get till these inquiries drop off my report completely (i.e., wait till next year), or will their impact be softened once they reach the 1-year mark?
Also, I remember reading somewhere that the Sallie Mae card used to be a 2% on everything card. Anyone know if Barclaycard has any plans to nerf it again?
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)