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06-06-2017 08:40 PM
06-06-2017 08:59 PM
06-06-2017 09:06 PM
06-06-2017 11:27 PM
06-07-2017 01:39 AM
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.
06-07-2017 03:46 AM
06-07-2017 06:15 AM
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.
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