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How long before I ding my credit file again with another application?

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  • Skywalker

    Recently applied for an Amex ICC card, credit file took wee bump with a hard search a couple of months ago (no affect to score).

    I’m after getting the Amex Platinum charge card – I am trying to gauge how long I should wait before applying for this, because I don’t want to appear desperate – I’m simply just revising my credit card products

    Also, on the ‘other personal income’ section, can I put partner’s income, or are they looking specifically for my own personal income?

    Thanks in advance

    Scott

    No need to wait any particular period of time unless you intend, e.g. applying for a mortgage in the next few months where too many credit applications could be considered a negative.

    On your second question, personal is just that – personal, rather than household.

    Carlos

    This is old information you can get credit cards and still apply for a mortgage easily
    Discuss it when you have the 1-2-1 session and it will get justified

    zapato1060

    I dont even earn much, have 4 credit cards all with about 5k at 0%. Applied for Platinum no problem, 2 days later applied and got a Santander for a BT and approved with that. Moral of the story is credit score worry is neither here nor there.

    BuildBackBetter

    As others have written, credit score is meaningless as each lender calculates eligibility differently based on your current credit status and history.

    Frequent request for credit might actually make you eligible for Virgin Money and Barclaycards!

    Skywalker

    Thank you to all 🙂

    duggie1982

    As others have written, credit score is meaningless as each lender calculates eligibility differently based on your current credit status and history.

    Frequent request for credit might actually make you eligible for Virgin Money and Barclaycards!

    Interesting, i have a good few credit cards and after closing my barclaycard about 5 years or so they would never show up when i done soft searches for credit cards, i got accepted for 3.6k recently for BC avios but was showing as 0% chance of getting it it via the soft search (my other limits are 5/6x the credit limit i got, but glad to be back with them.

    Is there any reason for their tactics?

    BuildBackBetter
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