Ideal time between two credit card applications

[poorna.chandra.akp]

Hi,
I currently hold
hdfc infinia ltf,
icic saphhiro ltf,
yes first exclusive ltf,
citi rewards ltf,
idfc wealth ltf.

My last credit card application was Nov 22. What should be ideal wait time for another credit card application? I am planning to apply either amex mrcc or platinum travel.

 

[vaibhav111vaibhav111 is verified member.]

Hi,
I currently hold
hdfc infinia ltf,
icic saphhiro ltf,
yes first exclusive ltf,
citi rewards ltf,
idfc wealth ltf.

My last credit card application was Nov 22. What should be ideal wait time for another credit card application? I am planning to apply either amex mrcc or platinum travel.

for amex only they need less than 2 inquiry in 3 month or so. but if you're pre approved and i think you should be cause you too have infinia PVC i assume so i think you can apply for amex and you can use a referral for FYF for amex card it ending on 31st march 2023, just use someone referral for that.

 

[Sahilmiya]

Hi,
I currently hold
hdfc infinia ltf,
icic saphhiro ltf,
yes first exclusive ltf,
citi rewards ltf,
idfc wealth ltf.

My last credit card application was Nov 22. What should be ideal wait time for another credit card application? I am planning to apply either amex mrcc or platinum travel.

How did you got all ltf ?

Can you share please

 

[poorna.chandra.akp]

for amex only they need less than 2 inquiry in 3 month or so. but if you're pre approved and i think you should be cause you too have infinia PVC i assume so i think you can apply for amex and you can use a referral for FYF for amex card it ending on 31st march 2023, just use someone referral for that.

Thanks for the reply. How to know the presence of pre-approval ?
keeping aside amex requirements, does it have impact on credit score, if I apply within 5months?

 

[poorna.chandra.akp]

How did you got all ltf ?

Can you share please

My second job was citi salary account and they offered ltf entry card.
icici was preappoved card
wrt hdfc, I used to have regalia. they once called me to open classic saving account and get ltf infinia.
I dont remember how i got ltf yes.

 

[vaibhav111vaibhav111 is verified member.]

Thanks for the reply. How to know the presence of pre-approval ?
keeping aside amex requirements, does it have impact on credit score, if I apply within 5months?

i don't remember now but once you add initial information before entering your address and all it will say on screen you're pre-approved that how i knew for myself. i applied in nov 2022 and i guess i too have applied for card before, in term of inquiry you got nothing to worry, just enter detail as per aadhaar address and you should be good to go.

 

[poorna.chandra.akp]

i don't remember now but once you add initial information before entering your address and all it will say on screen you're pre-approved that how i knew for myself. i applied in nov 2022 and i guess i too have applied for card before, in term of inquiry you got nothing to worry, just enter detail as per aadhaar address and you should be good to go.

The first page has name, dob, pan, pincode and immediately it has current address fields. should i fill and go to the next screen? there are 3 screens:: about you, additional information, card options & submit. Are you saying after the first screen, we will know the presence of pq/pa offer?

 

[vaibhav111vaibhav111 is verified member.]

The first page has name, dob, pan, pincode and immediately it has current address fields. should i fill and go to the next screen? there are 3 screens:: about you, additional information, card options & submit. Are you saying after the first screen, we will know the presence of pq/pa offer?

After first page

 

[poorna.chandra.akp]

after the first page, it said conditionaly pre approved limit of 4.x to 4.x credit limit. Post 3rd page, I got the following message:
After careful consideration, we are sorry to let you know that we will not be able to approve your application.

LOL

 

[poorna.chandra.akp]

@BestBanker would you know the reason?

 

[vaibhav111vaibhav111 is verified member.]

after the first page, it said conditionaly pre approved limit of 4.x to 4.x credit limit. Post 3rd page, I got the following message:
After careful consideration, we are sorry to let you know that we will not be able to approve your application.

LOL

That weird

 

[BestBankerBestBanker is verified member.]

@BestBanker would you know the reason?

Will check and let you know

 

[poorna.chandra.akp]

Another amex executive called me and said i am over qualified for mrcc. Is it true or he is just selling words to upsell amex platinum card?

 

[senasenthil]

after the first page, it said conditionaly pre approved limit of 4.x to 4.x credit limit. Post 3rd page, I got the following message:
After careful consideration, we are sorry to let you know that we will not be able to approve your application.

LOL

I got an identical response. I assume that it might be due to 3 or more CIBIL enquiries.

 

[BestBankerBestBanker is verified member.]

Only Cibil check happens in first page

 

[poorna.chandra.akp]

After the amex setback, I was thinking of going with axis magnus via offline channels. amex hit cibil on march 24th. I have school fee payment(1Lakh+) planned for april.

what is the time should I wait before I can apply for another card?

 

[poorna.chandra.akp]

Damn, this impacted my cibil score. It reduced from 795 -> 788.

 

[BestBankerBestBanker is verified member.]

Applied twice in Amex itself. There will be impact for all enquiries

 

[visvin]

@BestBanker is it possible to match credit limit of 2 credit cards in Amex? Or move from one card to another?

 

[BestBankerBestBanker is verified member.]

@BestBanker is it possible to match credit limit of 2 credit cards in Amex? Or move from one card to another?

Yes possible. Contact customer card