ideal number of revolving tl's?

[MrSpock]

Hi Dog,

Which cards did Tuscani recommend?

[Anonymous]

spock, on tuscani's general recommendation, i applied for amex delta skymiles (although i applied for platinum, whereas he was recommending the gold), and amex hilton honors.  i got both of them with 2k limits on each.  i asked for a 5k cli on the delta, but it was a no go.  i am waiting for the hilton card to come in the mail to ask for a cli to 5k on that one.  oddly enough, some people, including tuscani's wife, were denied a cli on the skymiles but later got a cli on the hilton.

[MrSpock]

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dog wrote:

spock, on tuscani's general recommendation, i applied for amex delta skymiles (although i applied for platinum, whereas he was recommending the gold), and amex hilton honors.  i got both of them with 2k limits on each.  i asked for a 5k cli on the delta, but it was a no go.  i am waiting for the hilton card to come in the mail to ask for a cli to 5k on that one.  oddly enough, some people, including tuscani's wife, were denied a cli on the skymiles but later got a cli on the hilton.

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Wow... So you're saying it's possible to request a CLI on a brand new card?!?!?!  That's awesome...

[MidnightVoice]

But they might do new hard pulls 

[MrSpock]

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MidnightVoice wrote:

But they might do new hard pulls 

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what is a hard pull?

[MidnightVoice]

An inquiry to pull your CR.  Too many of these in a year and FICO starts to get upset 

[MrSpock]

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MidnightVoice wrote:

An inquiry to pull your CR.  Too many of these in a year and FICO starts to get upset 

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Is there a maximum number of pulls after which it doesn't matter anymore?  I've already had a ton of pulls within the last year because of shopping for a car / house and now with this new CC...

[MidnightVoice]

If you did the house and the car all at once, they might be one pull each, and probably from all 3 CRAs

Every credit card will be a seperate pull, but they all pull different ones.

And in my experience, more than 3 in the last 12 months starts to ding your score.  Whcih doesn't matter unless it matters 

[Anonymous]

amex didnt hard pull on my skymiles cli request.

[Tuscani]

Amex usually will not pull a new Inq for CLIs