cancel
Showing results for 
Search instead for 
Did you mean: 

6 Months Between Applications

tag
Beast26
Established Contributor

6 Months Between Applications

For the banks like wells Fargo that say you have to wait 6 months to apply for a new Wells fargo card can I actually apply after 6 months and a day or do I actually have to wait 7 months?  I remember someone saying for US Bank to wait 7 months but I know US Bank do things differently.





Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000
Message 1 of 6
5 REPLIES 5
CorpCrMgr1
Valued Contributor

Re: 6 Months Between Applications

That sounds right. Good luck!

Message 2 of 6
GhostCredit
Contributor

Re: 6 Months Between Applications

I know WF and cap1 is 6 months in between.  I was reading about pnc and they said gotta have the virtual wallet account for 6 months before opening up a card. I would wait 7 months just to be safe or do it in December so you could 2 cards for WF for the year.

Message 3 of 6
CYBERSAM
Senior Contributor

Re: 6 Months Between Applications


@Beast26 wrote:

For the banks like wells Fargo that say you have to wait 6 months to apply for a new Wells fargo card can I actually apply after 6 months and a day or do I actually have to wait 7 months?  I remember someone saying for US Bank to wait 7 months but I know US Bank do things differently.


What was the original denial reason? I know WF is new account and inquires sensitive.







                
Message 4 of 6
Aim_High
Super Contributor

Re: 6 Months Between Applications

I would wait the seven months to make sure your reports have updated, @Beast26.


Business Cards


Length of Credit > 40 years; Total Credit Limits >$900K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0 - SYCH - 65.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 5 of 6
Zosimus
Regular Contributor

Re: 6 Months Between Applications

I say you should apply for something every 122 days like clockwork. That would mean apply for the second card with Wells Fargo at 8m and app something in between.

 

Just my opinion...


Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.