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Freedom and BCP.
Originally I did want the Sapphire but after what others were saying here and reading I thought I might hold off on the Sapphire for a few months, since it seems I'd need the Freedom anyway to take full advantage of the Sapphire and applying for three cards at the same time seemed pushing it, haha. Also since apparently the Sapphire has a 5k minimum limit, and since the Freedom only approved for 3500, that might have been a good decision.
I've gone from no credit cards with a score in the 660s (due to limited history) to four cards and a score in low 700s in 10 months I'm pretty happy about that.
Oh yeah and I noticed on the Chase page it said something about if the limit wasn't enough that I could discuss it when I call to activate my card. Anyone ever have luck with that?
Actually, while on the sort of "new credit high," decided to go ahead and apply for a CLI for my BoA card. Requested 3000 and got instant approved!
Nearly tripled my total credit over the weekend, from 4000 to 11500
@ard991 wrote:Freedom and BCP.
Originally I did want the Sapphire but after what others were saying here and reading I thought I might hold off on the Sapphire for a few months, since it seems I'd need the Freedom anyway to take full advantage of the Sapphire and applying for three cards at the same time seemed pushing it, haha. Also since apparently the Sapphire has a 5k minimum limit, and since the Freedom only approved for 3500, that might have been a good decision.
I've gone from no credit cards with a score in the 660s (due to limited history) to four cards and a score in low 700s in 10 months I'm pretty happy about that.
Oh yeah and I noticed on the Chase page it said something about if the limit wasn't enough that I could discuss it when I call to activate my card. Anyone ever have luck with that?
Yep, I think you made the right call there. Garden for awhile and let your accounts age and I think you are going to be in excellent shape. I'm building up points with my freedom so that I can shift them over when I get a CSP. The freedom is a nice little card and with additional benefits being added in november it will work even better. At this point I think you would not only want to try to get approved for a CSP, but to take the time and set yourself up to try to get approved with a great credit line and not just the 5k minimum.
I would recommend a year given your low AAoAs. What you should do in the meantime is garden and request your SP Amex CLIs as they become available. That will help you get a card with over a 5k balance and will further help you with overall credit util. Maybe you will luck out and get some auto CLIs on freedom as well. You want to let your new accounts age as well as letting your inqs age. Furthermore, a well established history with your freedom card with Chase will really help you with the CSP application. I think doing these things for a year is going to set you up nicely. I wouldn't apply for anything for at least six months though.