Applying for 2 more credit cards?

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Applying for 2 more credit cards?

Postby lbjandai » Mon Jan 14, 2013 9:05 am

Hey guys,

Wondering if you think it's overkill or will be bad to apply for one or two more rewards cards:

-Chase Sapphire Preferred
-Chased United Explorer Card (with 50k bonus)

I applid for the Citi AAdvantage Visa and Amex on Friday (1/11), got approved for Visa, Amex card told me they had to review my application and I might hear in two weeks (calls to their approval/disapproval line only show the Visa approval, no mention of the Amex).

Before this past Friday, I had last applied for a card (Chase Freedom) in October 2012.

I know pulls aren't that bad for credit, and my credit is in the 740-760 range, so pretty good. Just worried it may look like I'm desperate for credit (when I'm not, I just want the miles).

If I were to wait, how long is best to wait? 1 week? 2 weeks? a month? 2 months?

I may not be able to fulfill all the spending requirements with the AA Visa, CSP, and United Explorer at the same time, so I may forget about the CSP for a month or two until I've fulfilled the Visa and Explorer spending requirements, just to be safe. However, that means 2 pulls, if I applied for them at different times. Wouldn't it be just one credit pull if I applied for the Explorer and CSP on the same day?

Thanks for any advice!

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Postby MemberSince99 » Mon Jan 14, 2013 4:33 pm

Well first, you don't necessarily have to wait if you want another card with them. From what I've read, Cahse really only cares about your total CL across all cards with them, rather than how many cards you have that amount available on.

In you situation I might go for one more now, then in say another 3 to 6 months go for the other if you really want it. CSP might be your best overall bet. The United card is just for the bonus miles right?

As far as one pull for two applications, that I can't tell you about as I've never tried that with Chase. I'm not sure how they handle that situation maybe someone else knows?

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Postby DavidNY » Mon Jan 14, 2013 9:03 pm

This thread discusses getting two Chase cards on one pull if the apps are done at the same time. If you decide to do that, let us know how it goes.

The 55k + $50 United bonus is very nice.

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Postby Calipso » Wed Jan 16, 2013 6:31 pm

I app'd for Air-Tran and Southwest cards on the same day. Only one hard pull showed up on my experian report.

Go for it OP.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

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Postby jmtdallastx » Thu Jan 17, 2013 2:54 pm

Sounds like your churning for rewards or miles. Anyway, re your concern for spending requirements -- google 'completing spending requirements' and you'll see suggestions on how to get them done depending on your comfort level. You might surprise yourself and find you can do 5-6 cards with little work.

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