Credit Card Center Advertiser Disclosure

Reply
Highlighted
Frequent Contributor
Posts: 321
Registered: ‎07-25-2007
0 Kudos

How long should I wait to app for Chase Ink Cash?

Title says it all - I've had a credit card relationship with Chase for something like 9 years now, currently have 4 cards with them, of which 2 were recently opened (CSR and Freedom Unlimited). I'm likely at their max exposure limit as they had to take limits from my other cards to open Unlimited. 

 

I currently have $62k in credit limits on 4 credit cards with Chase. 

 

I've heard that Chase generally opens a max of 2 cards in any given 30-day time frame. With my CSR and Unlimited, I'm guessing I'll have to wait at last a few months before trying for the Ink Cash, but how many months?

 

Credit profile:

 

  • 10 year history, 5.5 year AAoA
  • Currently 3/24 under Chase's 5/24 rule
  • Current FICO 8 scores (recently opened accounts not yet reporting) are all over 800
  • Besides 3 credit cards opened this month, most recent account opened was installment 16 months ago
  • 3 inquiries past 12 months (all related to the 3 new credit cards I opened)
  • Current cards and limits: about a dozen with major issuers (e.g. Amex, Discover, Citi, Chase, US Bank, Fidelity, etc.)
  • Current credit limits: low $4400, high $32,000, and a mean/median ~$16,000

Starting Score: EQ 773, TU 766
Current Score (2/25/2017): EX 813, EQ 823, TU 818
Goal Score: 800


Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.