American Express Student Card - HELP? Will I get accepted? -I'm 19 -Almost 6 months of credit history (hitting 6th

Will I get accepted?

-I'm 19
-Almost 6 months of credit history (hitting 6th month surrounded by a few days)
-3 credit cards, got them all surrounded by the 1st and 2nd month(Chase, citibank, and capitalone)
-I pay in full most of the time, never postponed

the only problem is that I have a LOT of inquiries. I'm guessing around 10-14 inquiries, most of which be denied for a credit card. Would it change now that I'm hitting the 6 month term? What are the chances that I'd get denied? I checked my credit win from experian and it said 718 but my transunion said 609. A few months ago, I tried applying for this card and I was denied

Answers: I would suggest waiting for a bit. You have a virtuous credit score, but here are the things against you.

1. Many inquires in a minute.

2. 3 new credit cards. Say they all enjoy a $500 limit, but you only put together $1,500 a month as a student.
That is not a good credit risk (debt to income ratio)

3. Say this month you have a set off of $400 (when the credit card posted to your credit report) on one of your cards, but even though you made a payment that took it to $0 the day after, the $400 would still show up on your report for the month and would look resembling you like to "max out your cards".

4. You were turned down contained by the last year for this card. Since all of your cards are investigational, I would wait at least a year past trying again and make sure that your current cards have no more than a $100 go together on them in the 3 months prior to applying for the new card.

you enjoy good scores but approaching you said, you got all of your cards around duplicate time which seems suspicious to creditors. You got the cards during the 2nd month and you are almost at the 6th month of paying on the dot. You basically only enjoy a 4 month history with these cards anyway. Most creditors want to see 6 months history to even begin trying to increase your lines. I would suggest waiting and using what you currently own and letting some of those inquiries fall off.
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