Someone tell me what to do….

2 years ago

Sat May 28, 2022 12:22 am

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 17 minutes Next Level in6 days, 10 hours, and 43 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 17 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 17 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 17 minutes ago

It looks like you've got over a year of history and have only opened 2 revolvers in the last 12 months. Amex is pretty decent when it comes to approvals on a younger file, so I think you'd get it. That's a nice SUB for that card and the AF makes it worthwhile at least for that year. After that point you'd have to access whether or not the card would be worth it for groceries if you factor in that AF.

I don't know enough about Affinity regarding their constraints to new accounts, so maybe others can weigh in on that. I'd probably shoot a message to CS over there and let them know that you're considering applying for another card from them and see if they can offer any insight. Do you have any loan offers on your account with them?

If you do decide to go for both, I'd suggest pulling the trigger on them at the same time so that neither has the ability to see the other on your CR.

2 years ago

Sat May 28, 2022 7:37 am

Tinkegrrl

Seasoned Rebel

Tinkegrrl has passed the 12 month threshold!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!

Level14 Last INQSaturday, July 1, 2023 Gardening For1 year, 2 months, 15 days, 13 hours, and 17 minutes Next Level in14 days, 10 hours, and 43 minutes on October 1st INQ 1yr onMonday, July 1, 2024 INQ 1yr reached2 months, 15 days, 13 hours, and 17 minutes ago INQ 2yr onTuesday, July 1, 2025 INQ 2yr in9 months, 14 days, 10 hours, and 43 minutes Goal12 months Goal DateMonday, July 1, 2024 Goal Achieved2 months, 15 days, 13 hours, and 17 minutes ago

BrutalBodyShots wrote: ↑Sat May 28, 2022 12:22 am It looks like you've got over a year of history and have only opened 2 revolvers in the last 12 months. Amex is pretty decent when it comes to approvals on a younger file, so I think you'd get it. That's a nice SUB for that card and the AF makes it worthwhile at least for that year. After that point you'd have to access whether or not the card would be worth it for groceries if you factor in that AF. I don't know enough about Affinity regarding their constraints to new accounts, so maybe others can weigh in on that. I'd probably shoot a message to CS over there and let them know that you're considering applying for another card from them and see if they can offer any insight. Do you have any loan offers on your account with them? If you do decide to go for both, I'd suggest pulling the trigger on them at the same time so that neither has the ability to see the other on your CR.

That’s the thing. I don’t have offers yet. I was hoping to wait maybe till the next round to see if anything pops up as I’m a More member now? Offer from Amex expires 7/31 though, so I suppose i can wait to do both till then…

2 years ago

Sat May 28, 2022 11:31 am

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 17 minutes Next Level in6 days, 10 hours, and 43 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 17 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 17 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 17 minutes ago

Tinkegrrl wrote: ↑Sat May 28, 2022 7:37 am That’s the thing. I don’t have offers yet. I was hoping to wait maybe till the next round to see if anything pops up as I’m a More member now? Offer from Amex expires 7/31 though, so I suppose i can wait to do both till then…

Gotcha. I hear you. The next round of offers should populate the first or second week of July (beginning of Q3) so I would sit tight until then. It's not to say you wouldn't get approved without an offer, just that their offers are nearly rock solid from my understanding, so you'd be way more confident if you had one. I don't know how Affinity is with younger files, but since you already have one of their cards my guess is that they're alright with them.

2 years ago

Mon May 30, 2022 2:09 am

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 17 minutes Next Level in15 days, 10 hours, and 43 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 17 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 17 minutes ago

Wait on the offers to populate before you decide. To be honest I think they’re pretty liberal so if you have to I think you can still do both but do you know the offers are better if they populate and it will be better if you don’t have a new account or inquiry so I would wait, imho.