Hey guys, first post here!
I am 21 and have a 3 year credit history from a Discover it card. My credit score is 768, income is around 64k, and have never missed a payment. I only have one credit card, the discover, and am ready to graduate from that.
If I were to apply, would I get approved? If yes, what do y'all think my credit limit be? I want a sufficient limit to be able to reach the 50k points bonus
Have you checked the pre-approvals on the Chase Web site? See what comes up for you.
What website did you use to see your credit score?
I'm thinking that 768 is probably his TU FICO 08 off of his Discover account.
OP, thanks for providing more info. Your score is fine and well above the requirements for a CSP or CSR, my concern would be that Chase doesn't usually like to be the first lender to give you a really large credit line and the CSP has a minimum $5,000 credit line ($10k for CSR). Two things... Certainly check the Chase preapproval page - if it gives you a single APR percentage they are very likely to approve you. Finally, have you asked Discover for a credit line increase? 3 years seems to be a long time to be at $1,000. It is a soft pull and they can be quite generous. I would try that first, and if they give you a big increase, I would wait until that is reporting to the 3 CBs with the new limit (within a few days after your next statement closes), which should improve your chances of a healthier starting line. Myself and a few others at the same time at the beginning of the year all got $12k SLs on the CSP.
Yes, I have checked the pre approvals page, it said no offers available. I will apply sometime soon. Thanks to all who helped!