Misc Credit Card Questions

[David Smith]

Got declined for chase cc reason bec I had too many pulls this year the rep said that I should wait till Jan while still in the 30 Fay period and could be I'll get approved anyone know if chase decides on the pulls of a calendar year or not

That makes zero sense.

[doovid d]

Which part

[LifesGood]

Were you lying? Some places don't like obvious liers.

We do what we do to make it work.

[David Smith]

Which part

Pulls don't go by calendar year, they go by age.

[curry30]

I am a total noob about this so thank you for your help. I was thinking of doing a 4BM for four amex consumer cards (delta, hilton, everyday, and PRG). 1 by phone, 2 from google chrome incognito, and the 4th one by a different browser.

A Couple of questions about this: 

1)  is it hard to get a 4BM approved typically? (Last time I applied for a credit card was in October)
2) do you think it matters which order I apply for these cards? If so what order would be recommended.
3)  if I apply for all four in one day does each application take into consideration the previous amex card that I apply for?
4)  from what I understood it would be one pull for all four of these cards regardless if they were approved or denied correct? And the pull would be posted at the end of the day (decreasing my credit score by about 5-10 points)?

[David Smith]

I am a total noob about this so thank you for your help. I was thinking of doing a 4BM for four amex consumer cards (delta, hilton, everyday, and PRG). 1 by phone, 2 from google chrome incognito, and the 4th one by a different browser.

A Couple of questions about this: 

1)  is it hard to get a 4BM approved typically? (Last time I applied for a credit card was in October)
2) do you think it matters which order I apply for these cards? If so what order would be recommended.
3)  if I apply for all four in one day does each application take into consideration the previous amex card that I apply for?
4)  from what I understood it would be one pull for all four of these cards regardless if they were approved or denied correct? And the pull would be posted at the end of the day (decreasing my credit score by about 5-10 points)?

Three out if four of those are credit cards. I'd advise switching one for a charge card.

[Cappy]

I am a total noob about this so thank you for your help. I was thinking of doing a 4BM for four amex consumer cards (delta, hilton, everyday, and PRG). 1 by phone, 2 from google chrome incognito, and the 4th one by a different browser.

A Couple of questions about this: 

1)  is it hard to get a 4BM approved typically? (Last time I applied for a credit card was in October)
2) do you think it matters which order I apply for these cards? If so what order would be recommended.
3)  if I apply for all four in one day does each application take into consideration the previous amex card that I apply for?
4)  from what I understood it would be one pull for all four of these cards regardless if they were approved or denied correct? And the pull would be posted at the end of the day (decreasing my credit score by about 5-10 points)?

You can't get approved for more than 1 revolver in a day. You could do the opposite scenario though.

1 cc and three charge cards and it should end up in 1 pull.

When you apply for more than 1 revolver in 1 day, you need to wait usually 5 days until they process the next.

[PillanSmye]

We do what we do to make it work.

Lying is saying you had 2 drinks when you had 3.

Knowingly supplying false information on a CC app is fraud.

[PillanSmye]

I am a total noob about this so thank you for your help. I was thinking of doing a 4BM for four amex consumer cards (delta, hilton, everyday, and PRG). 1 by phone, 2 from google chrome incognito, and the 4th one by a different browser.

There's no need to use all those different browsers unless you have to use them to find them best sign up bonuses.

[curry30]

Three out if four of those are credit cards. I'd advise switching one for a charge card.

Which one isn't a credit card?

There's no need to use all those different browsers unless you have to use them to find them best sign up bonuses.

As far as I've seen, the best offers were from chrome so great.

You can't get approved for more than 1 revolver in a day. You could do the opposite scenario though.

1 cc and three charge cards and it should end up in 1 pull.

When you apply for more than 1 revolver in 1 day, you need to wait usually 5 days until they process the next.

Which cards are considered revolvers? Any MR cards?

[TimT]

Which one isn't a credit card?

As far as I've seen, the best offers were from chrome so great.
Which cards are considered revolvers? Any MR cards?

PRG is a charge card

[David Smith]

Which one isn't a credit card?

As far as I've seen, the best offers were from chrome so great.
Which cards are considered revolvers? Any MR cards?

Everyday and everyday preferred are MR earning (revolving) credit cards.

[curry30]

PRG is a charge card

So you are telling me the premier golds reward card, which has a 195 annual fee, is a charge card? Lol wow so how is the credit line determined then? Do I just make purchases and there is no limit?

Everyday and everyday preferred are MR earning (revolving) credit cards.

So the everyday card would be the only revolver credit card I would apply for. If  PRG is a charge card, it shouldn't have an impact on one another correct?

[TimT]

So you are telling me the premier golds reward card, which has a 195 annual fee, is a charge card? Lol wow so how is the credit line determined then? Do I just make purchases and there is no limit?

So the everyday card would be the only revolver credit card I would apply for. If  PRG is a charge card, it shouldn't have an impact on one another correct?

Its easier to get approved for several charge cards at once.

[David Smith]

So you are telling me the premier golds reward card, which has a 195 annual fee, is a charge card? Lol wow so how is the credit line determined then? Do I just make purchases and there is no limit?

So the everyday card would be the only revolver credit card I would apply for. If  PRG is a charge card, it shouldn't have an impact on one another correct?

You can apply for as many charge cards as you want in a day, but the amex system will only approve one credit card. A second one will pend for five days and easily be auto approved afterwards. I wouldn't advise more than two revolving credit cards. Apply for as many charge cards as you like, though.

[curry30]

You can apply for as many charge cards as you want in a day, but the amex system will only approve one credit card. A second one will pend for five days and easily be auto approved afterwards. I wouldn't advise more than two revolving credit cards. Apply for as many charge cards as you like, though.

So in essence charge cards are much easier to get but what differences do they provide from a typical credit card? Also are charge cards and credit cards two different pulls regardless if done on same day?

[TimT]

So in essence charge cards are much easier to get but what differences do they provide from a typical credit card? Also are charge cards and credit cards two different pulls regardless if done on same day?

1 pull. Charge cards are paid in full every month, the revolving cards you can carry a balance over to the next month, you just gotta make the minimum due payment.

[David Smith]

So in essence charge cards are much easier to get but what differences do they provide from a typical credit card? Also are charge cards and credit cards two different pulls regardless if done on same day?

Charge cards have no preset spending limit, and must be paid in full each  statement. There is no option to carry a balance, something which you shouldn't be doing anyways. They are both issued by the same lender, so the pulls appear identically and are combined if done on one day. Because charge cards have no spending limit, money spent on them doesn't count towards your credit utilization.

[Venilla]

4)  from what I understood it would be one pull for all four of these cards regardless if they were approved or denied correct? And the pull would be posted at the end of the day (decreasing my credit score by about 5-10 points)?

Just FYI, It will post when you submit the application.

[curry30]

Charge cards have no preset spending limit, and must be paid in full each  statement. There is no option to carry a balance, something which you shouldn't be doing anyways. They are both issued by the same lender, so the pulls appear identically and are combined if done on one day. Because charge cards have no spending limit, money spent on them doesn't count towards your credit utilization.

Interesting.  So I take it the only way to pay for a charge card is by use of some form of cash no credit cards payments  or balance transfers can be done on them?

Does it matter which order to apply for charge cards vs credit cards?

I think at this rate what I'll do is apply for the PRG and everyday in one day and then wait about a month and apply for the delta and Hilton cards.