CSR odds please?

[Anonymous]

Credit Profile:

AaOA: 1.5 years

No baddies, collections, BK, etc

FICO Experian: 749

FICO Transunion: 759

Credit Karma TU: 750

Credit Karma: EQ : 761

Average Monthly Util: <5%

Total Available Credit: $25,800

Annual Income: over $125,000

Only one hard inquiry on my TU in since 2016 and that was for apartment lease this month

No hard inquiries since 2016 on Experian/Equifax

Current cards:

AmEx BCE $12k since February 2017

Discover It $7.8k since July 2016

BoA Travel $1k since April 2017

PNC Visa Signature $5k since Nov 2016

I applied for a Chase Freedom back in October 2016 and was denied even after recon. 

I'm waiting until November 2018 to apply for a Chase Sapphire Reserve for some international traveling - do my odds look good?

My 5/24 should be up by then.

[Anonymous]

---

@Anonymouswrote:

Credit Profile:

AaOA: 1.5 years

No baddies, collections, BK, etc

FICO Experian: 749

FICO Transunion: 759

Credit Karma TU: 750

Credit Karma: EQ : 761

Average Monthly Util: <5%

Total Available Credit: $25,800

Annual Income: over $125,000

Only one hard inquiry on my TU in since 2016 and that was for apartment lease this month

No hard inquiries since 2016 on Experian/Equifax

Current cards:

AmEx BCE $12k since February 2017

Discover It $7.8k since July 2016

BoA Travel $1k since April 2017

PNC Visa Signature $5k since Nov 2016

I applied for a Chase Freedom back in October 2016 and was denied even after recon. 

I'm waiting until November 2018 to apply for a Chase Sapphire Reserve for some international traveling - do my odds look good?

My 5/24 should be up by then.

---

A lot can change in the credit world in 8 months but if you were to apply now (if you were under 5/24), then your chances would be pretty good.

[Anonymous]

What do you mean a lot can change? Personally I don't plan on any big changes for myself.

[Anonymous]

---

@Anonymouswrote:

What do you mean a lot can change? Personally I don't plan on any big changes for myself.

---

Circumstances can change (new job, job loss, moving, marriage, divorce), economy can change, lending laws can change.  Issuers can change/discontinue products, etc.

Chances are your odds will be about the same in 8 months as now (depending on your 5/24 standing) but they could be quite different, whether better or worse.

[Anonymous]

also with 5/24 rule, my 5 open accounts, 4 of which are actual credit cards, 1 is a revolving loan that I paid off already.

would I still be unable to qualify? 

[Anonymous]

can someone help me ?

[kshurika]

Do you have an account with Chase? If not, you might consider opening one. Then, you could app from your branch with the help of a representative. Apping in-branch is also a way to get around 5/24. I think you're able to do this even if you don't have an account with Chase, but that account helps. Your scores, your income and your AAoA are certainly good enough.

[coldfusion]

---

@Anonymouswrote:

also with 5/24 rule, my 5 open accounts, 4 of which are actual credit cards, 1 is a revolving loan that I paid off already.

would I still be unable to qualify? 

---

What is it that makes you suspect you'll be unable to qualify due to the 5/24 rule by November?   If you've accurately listed all your revolving accounts and those opening dates for each CC you'll be at 4/24 in August.  When was that revolving loan taken out and what was the amount?

[Anonymous]

I live in a state with no chase branches

[Anonymous]

I say November 2018 because my (denied) Chase Freedom app  was done in October of 2016. I figured I should wait the two years until that drops off my CR.