Pay down below 30% before applying, 10% even better but keep 5% on balances for up to 3 cards.
Get limit increases before applying - only if you can afford to wait and only if ‘Request Increase’ is available. Ask for XXX size/amount limit? Then call in and request rapid reporting.
Add an authorized user (for lower heat)
Just moved? Don’t apply unless your new address is reporting on credit. If not, use a previous address if you can still access the mail there. *Can you go to the bureaus and fast track update your address?
How To Apply
Time of day? Day of the week?
Apply from home IP and on desktop/laptop if possible.
HHI – for when updating existing profile/info (as in requesting increase) and when applying for new.
‘Test the temp cards’ softpull cards that try first and if get approved then try hard pull cards. (for lower tier within a heat level)
You can apply for multiple cards in same day but stop once you get a decline or 2 declines in a row. Should we recommend which to start with? And up to how many? You can apply to up to 2 cards with same bank but we recommend diversifying.
After You Apply
After applying if initial approval is “low” (define low), call in and request a limit increase. What is too low? If it’s the same or lower than existing card or *other metric. And ask for XXX? *This should be more realistic than when requesting online.
Set the day of the month
Set up auto-pay
Your "Hand-Picked" Cards
Here are some curated credit cards based on your custom profile.