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Discussion in 'Credit Talk' started by Ally, Jan 4, 2001.
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Remember inquires are spread out over Experian, Trans Union, and Equifax. You now have 18 months of two cards. I don't know how the rest of your file looks, but your best bet would apply for a brand new card and do a balance transfer that way. My success with the P.C. has been much better than waiting on offers to come in. You will be surprised how 18 months of pay history will help. Of course if you have some negative information in file, then it would proably be a good idea to wait. I would not hold your breath waiting on Providian to give you any special promos. Almost ever issuer has a 4-9 month deal on opening up a new account.