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Welcome to the forum
What other cards do you have and are those Fico scores?
@5underparnv wrote:
Yes FICO scores. Have BofA cash rewards, Citi diamond preferred, US Bank 123, Discover More, Cap 1 quicksilver, a couple gas cards and a Sears card.
With your scores, cards, and history IMHO
I think you'll be approved for both
The only problem Chase can be INQ sensitive but recon is great with them and your INQ's can be explained easily as business related
Good luck should you app
@myjourney wrote:
@5underparnv wrote:
Yes FICO scores. Have BofA cash rewards, Citi diamond preferred, US Bank 123, Discover More, Cap 1 quicksilver, a couple gas cards and a Sears card.With your scores, cards, and history IMHO
I think you'll be approved for both
The only problem Chase can be INQ sensitive but recon is great with them and your INQ's can be explained easily as business related
Good luck should you app
+1
Also I just noticed you have a Discover More card do a PC to Discover IT for better rewards structure 5% categories
@myjourney wrote:Welcome to the forum
What other cards do you have and are those Fico scores?
Does Chase use Fico scores? I thought they had their internal scoring system. Every score is a fako if it isn't used by the lender.
How many HP in the last 6 months?
If it was me (and it was... a year ago I would app for Amex PRG + whichever Amex revolver you want a minute after that (if PRG approved). PRG is free for the first year, and Amex backdates... So...
If you get denied for the revolver (SP), you should build some history with the PRG and app again in January.
Then app for Chase (check their pre-qualifier site first to get a feel for where you place with them -- are you seeing a low APR on the Freedom? Is the CSP offered? etc).
I would personally app for AMEX first, 3x CLI @ 61 days, wait for the CL to report and then app for Chase. They'll match your highest CL + $500-$2000.
YMMV, etc, etc. Chase have recently dropped their underwriting requirements for the CSP, so now's probably a good time to app.
@09Lexie: Perhaps Chase disregards AU accounts for scoring purposes. But they did a CL match for me even though my highest CL was an AU account (and they topped it by $2000). So... YMMV as usual.
@09Lexie wrote:
Yes, Chase does have an internal scoring system like most lenders. I would assume it is based on FICO plus their own proprietary enhancements, ie AU being discounted
+1