Hey guys! I need some opinions here so I can start looking forward to it!
I started my credit journey in May 2014. I got my first credit card by Bank of America for a $700 limit.
--- 5 and a half months go by---
On December 4, 2014, I had an EX score of 726 with only 2-3 inquiries. No baddies so far and my utilization was 2%. After reading that, I went and got a credit limit increase on my BoA card to $2,700, applied and was instantly approved for the Discover It ($1,000 limit), and then was instantly approved for the American Express PRG.
I am pretty sure those recently new two accounts dinged my AAoA (I'm not sure by how much).
I held off on apping for the AMEX Everyday today (really wanted to do it for backdating), but I thought to myself I should save the inquiry precisely for Chase in the near future.
I know Chase is very picky when it comes to new accounts and inquries and likes to see one year of AAoA. So my question now is: When should I go ahead and apply for the Chase Freedom? June 2015? DECEMBER 2015!? (I also currently do not have any "pre-qualified" offers by Chase)
Thanks guys!!!! 
@Anonymous wrote:Hey guys! I need some opinions here so I can start looking forward to it!
I started my credit journey in May 2014. I got my first credit card by Bank of America for a $700 limit.
--- 5 and a half months go by---
On December 4, 2014, I had an EX score of 726 with only 2-3 inquiries. No baddies so far and my utilization was 2%. After reading that, I went and got a credit limit increase on my BoA card to $2,700, applied and was instantly approved for the Discover It ($1,000 limit), and then was instantly approved for the American Express PRG.
I am pretty sure those recently new two accounts dinged my AAoA (I'm not sure by how much).
I held off on apping for the AMEX Everyday today (really wanted to do it for backdating), but I thought to myself I should save the inquiry precisely for Chase in the near future.
I know Chase is very picky when it comes to new accounts and inquries and likes to see one year of AAoA. So my question now is: When should I go ahead and apply for the Chase Freedom? June 2015? DECEMBER 2015!? (I also currently do not have any "pre-qualified" offers by Chase)
Thanks guys!!!!
June 2015 at the earliest.
@Anonymous wrote:I wonder what my AAoA is at the moment, lol.
3 weeks. 
Thank you, Nixon.
Looks like I am gonna hop in the garden and let some water shower over my head for a good few months! 
Now... Since I check the Chase pre-qualification site every single day (desperate, I know) and on one day in the mere future, the Freedom decides to pop up........ What shall I do?
@Anonymous wrote:Thank you, Nixon.
Looks like I am gonna hop in the garden and let some water shower over my head for a good few months!
Now... Since I check the Chase pre-qualification site every single day (desperate, I know) and on one day in the mere future, the Freedom decides to pop up........ What shall I do?
Apply if you want the card and it can benefit you.