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?
Right now, apply and report back. A pre-approval on the site is solid. Slay it
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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.