Misc Credit Card Questions

[compddd]

Even if the phone rep said BofA's policy had changed in August 2015 to be soft pulls instead of hard pulls when re-allocating CLs?

[yochiek93]

Even if the phone rep said BofA's policy had changed in August 2015 to be soft pulls instead of hard pulls when re-allocating CLs?

Yes

[Wizard]

First time applying for a credit card (except for a Gap CC), and I want to apply for Everyday from AMEX. Is it sinful to apply for one Amex card to begin with or should I be applying for 2-3 cards to start? If more than Everyday, which card(s)? Thanks in advanced

[CS91]

First time applying for a credit card (except for a Gap CC), and I want to apply for Everyday from AMEX. Is it sinful to apply for one Amex card to begin with or should I be applying for 2-3 cards to start? If more than Everyday, which card(s)? Thanks in advanced

Once you're getting a pull, it doesn't hurt to try for a few more.

[TimT]

First time applying for a credit card (except for a Gap CC), and I want to apply for Everyday from AMEX. Is it sinful to apply for one Amex card to begin with or should I be applying for 2-3 cards to start? If more than Everyday, which card(s)? Thanks in advanced

If you're only comfortable having one card at the moment then stick to 1. It's all 1 pull so do whatever's best for you.

[CS91]

If you're only comfortable having one card at the moment then stick to 1. It's all 1 pull so do whatever's best for you.

That's a good point. There is something to be said about starting off slow. I started slow and I'm happy I did.

[Wizard]

If you're only comfortable having one card at the moment then stick to 1. It's all 1 pull so do whatever's best for you.

Once you're getting a pull, it doesn't hurt to try for a few more.

Thanks. Is there a decent chance I'll be approved for 2 cards if I barley have a credit history (except for the Gap CC)?

[TimT]

Thanks. Is there a decent chance I'll be approved for 2 cards if I barley have a credit history (except for the Gap CC)?

YMMV. If you want a second card then go for it as it'll be the same hard pull regardless.

[David Smith]

Thanks. Is there a decent chance I'll be approved for 2 cards if I barley have a credit history (except for the Gap CC)?

Yes. I've seen 5 with only history from 1 card. Expect to be FR'd, though.

[Wizard]

YMMV. If you want a second card then go for it as it'll be the same hard pull regardless.

Thanks. I'll give it a try. Any ideas of a good Amex card to go together with the Everyday? (Something with good signup offer that's no annual fee or first year free that I can cancel after?)

Dan recently wrote about getting a Blue Amex business card together with the Everyday but I don't know if that's a good idea and I can't find post...

[LoLo]

Thanks. I'll give it a try. Any ideas of a good Amex card to go together with the Everyday? (Something with good signup offer that's no annual fee or first year free that I can cancel after?)

Dan recently wrote about getting a Blue Amex business card together with the Everyday but I don't know if that's a good idea and I can't find post...

PRG, make sure to get a 50k welcome bonus offer.

[Wizard]

Yes. I've seen 5 with only history from 1 card. Expect to be FR'd, though.

Don't want a FR. I'm single and only reporting my parents income so I don't know how a FR will work with me.

[David Smith]

PRG, make sure to get a 50k welcome bonus offer.

+1, definitely.

[Wizard]

PRG, make sure to get a 50k welcome bonus offer.

So PRG and Everyday? How do I make sure to get the 50k signup?

[TimT]

What about getting a 75k BGR offer off someone ?

[David Smith]

So PRG and Everyday? How do I make sure to get the 50k signup?

You'll see the offer before you apply.

[LoLo]

What about getting a 75k BGR offer off someone ?

Not if he can't pass a F/R, and it's his first card.

[TimT]

Not if he can't pass a F/R, and it's his first card.

BGR is more likely an FR risk than PRG ?

[LoLo]

How do I make sure to get the 50k signup?

Incognito. Not through a referral link.

Or call the guys like goldmine etc. if you decide to trust them.

[Wizard]

You'll see the offer before you apply.

So I think I'll go with the Everyday and PRG. Not sure what the benefits of PRG is over the Everyday? Seems like Everyday earns more points on my main shopping areas (groceries and gas).

I'm only seeing 25k signup offer. Am I missing something?