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So here is the deal. I am fairly new to the credit world after swearing off credit for years. My cards with CL are below. I have about 4 months of history on each of these cards at the moment as I got them all this past February. I checked Chase's prequal site and was approved for the Freedom and Slate. I prefer the Freedom but I am hesitant to apply this early since my history is very short. What are my chances? What say you?
Looking at your current limit with Amex, and given your short history, Chase can be a hit or miss, given they usually like to see 6-12 months of established history. But, they also like to see a clean short history. If you are pre approved I'd say your chances are very good. Can we get a bit more detail? Like fico score, derogs, inquires, since Chase has been recently super sensitive about accounts being opened, would be helpful!
Right now, apply and report back. A pre-approval on the site is solid. Slay it..
I have absolutely no derogs. Like i said earlier, my file is clean. My utilization at the moment across the board is 1% - 2% and i always pay the balance in full. My income is about 68k a year. I have no relationships with Chase at the moment so I have no idea if that will affect it. As far as scores, I have not generated a FICO yet since I am still new. But CK gives me scores of 730 and I know those should be taken with a grain of salt. I have about 5 CC INQs each this year on both TU and EQ. But probably an additional 4 on each from last year but those are for utilities and an apt search when I moved last year. The INQ kind of worry me and are making me think twice.
Yes apply. You are pre-approved and someone was approved with only THREE months history just yesterday!
Yes I say go for it as well! Report back please, best wishes to you.
Go for it
Did you app yet?
I was prequal'd but still not instant approval. Kind of in the same boat with limited card history. Started with two secureds late last year, graduated to 2 unsecureds this week, including a Chase Amazon card. Decided the Freedom would be my next target, and also decided to go ahead and try for it now, as I need to batten down the hatches for a mortgage next year and thus won't want to be doing this six months down the road. Guess I need to find a number to call, sigh. Or maybe I should just take this as a hint that I'm just not shiny enough for instant approvals yet and get back in the garden as planned. I dunno.