Hello (first post),
I wanted to get your opinion on if I should apply for the Chase Sapphire Preferred.
Income: 15k + 36k cap gains +$ 5500 college scholarship (application specialist said I could add include this)
CS- Transunion: 739, EQX- 733
I'm also a Chase Private Client (Idk if that helps)
Credit Card Limits: Discover (authorized user) $2500, Capital One (authorized user) $750, Capital One (my first card) $1000. I don't know if authorized user goes towards Chase's "5/24" rule
With Chase it helps to have a banking relationship with them and the fact you're a CPC only aids that. My only concerns are 1) your scores and 2) your cards.
I'm assuming you got those scores from Credit Karma since it's only TU and EQ? I would make sure to get your FICO 08 scores first before anything else. Get at least a free EX score check from creditscore.com to at least have an idea where you stand or CreditCheckTotal for a free trial to get all 3 scores (makes sure to cancel before trial ends). With the cards Chase likes to see customers have experience with higher limits since CSP is a 5k minimum.
Having said all that I think your CPC status with Chase will probably override all that IMO. It probably wouldn't hurt to go to a local branch if you can to find out. If you're over 21 check them for preapproved offers as well along with the website.
BTW, a moderator will most likely move this to the credit card forum. This is the approval forum. You have not applied or been approved.
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having $ means zero in getting plastic. does your cpc show a pre-qual? as soon as you get the screen that is when you jump imo