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Time to add a CC to the barn, or wait?

The last post in this topic was posted 888 days ago. 

 

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Here I am getting the itch to get a new CC, although nothing Ive seen is really inviting. Im still out of bounds with Chase and their 5/24 rules and will be until around March 2019.

 

My AAOA is 2.1 years. FICOs are mid 740s. Util is at 12% as Im riding some BT offers for a while.

 

My most recently acquired CC accounts:

 

PenFed 1/17/18

NFCU 6/1/17

Citi Costco 2/1/17

Alliant 2/1/17

DCU 2/1/17

Barclay 12/5/16

Disco 12/5/16

 

All others are over 24 months.

 

Ive read multiple times here to app about every 6 months for 1-2 cards. Granted Im not quite 6 months old from my last approval.

 

Soooo, let things age or what?

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App spree every 6 months is good. But you app until your first denial. Never stop after 2, or God forbid, 1.

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Do you have all of your major spending categories covered with the best card for each category?

Sadly, I do. I rarely fly so airline miles don’t make sense for me. Which ironically seems to be what my latest offers have been.

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Do you have all of your major spending categories covered with the best card for each category?

Sadly, I do. I rarely fly so airline miles don’t make sense for me. Which ironically seems to be what my latest offers have been.

Then relax.

 

Unless you're working toward CW, CP, or some other professional designation, the new card approvals are often followed by remorse.

 

I'm still a sucker for an occasional SUB, so you could focus there if need to scratch the itch.

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How many accounts do you have in total and what are the CL? Maybe focus on growing your limits and letting your accounts age more before applying for new cards.

 

 

Sent from my iPad using Tapatalk

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Here I am getting the itch to get a new CC, although nothing Ive seen is really inviting. Im still out of bounds with Chase and their 5/24 rules and will be until around March 2019.

 

My AAOA is 2.1 years. FICOs are mid 740s. Util is at 12% as Im riding some BT offers for a while.

 

My most recently acquired CC accounts:

 

PenFed 1/17/18

NFCU 6/1/17

Citi Costco 2/1/17

Alliant 2/1/17

DCU 2/1/17

Barclay 12/5/16

Disco 12/5/16

 

All others are over 24 months.

 

Ive read multiple times here to app about every 6 months for 1-2 cards. Granted Im not quite 6 months old from my last approval.

 

Soooo, let things age or what?

I understand completely man i'm stop by a Chase branch on the way home from work and see if a CSR pre approved offer is on the table. :grin:

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The itch has settled down for now. I think I’m just gonna hang until I can get under Chase’s 5/24 rule. Fingers crossed.

 

Thanks all.

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The itch has settled down for now. I think I’m just gonna hang until I can get under Chase’s 5/24 rule. Fingers crossed.

 

Thanks all.

 

Are you already on the BOA gravy train?

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The itch has settled down for now. I think I’m just gonna hang until I can get under Chase’s 5/24 rule. Fingers crossed.

Thanks all.

 

Are you already on the BOA gravy train?

Ya, hopped on the SP train a few weeks ago. DW and I both got $8k each CLI on the 4 cards we have, 2 each.

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The itch has settled down for now. I think I’m just gonna hang until I can get under Chase’s 5/24 rule. Fingers crossed.

Thanks all.

Are you already on the BOA gravy train?

Ya, hopped on the SP train a few weeks ago. DW and I both got $8k each CLI on the 4 cards we have, 2 each.

 

 

Nice!!!

 

Lately, I find when I want to get a new card, instead I'll just go through the old ones to see who might be due for a CLI.

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The itch has settled down for now.

 

If it returns...

 

JQhABMa.jpg

My itch is elsewhere, swing by and I’ll show you in person.....lol

 

Thanks Kat!!!

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The last post in this topic was posted 888 days ago. 

 

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