Chances of approval???

DoraJane2089 · ‎05-23-2014

Hello all,

I have been a Lurker in these forums for a while now and need some opinions.

I am trying to gauge my chances of approval for the Discover IT or Chase Freedom. Here is my current credit portfolio.

Personal loan from my credit union about 2.5 years old that I keep open for the account length

Walmart credit card - opened Sept of 2013. Started with a $1400 CLI up to $2100 and recently Offered the discover upgrade which I've yet to decide if I'll take. Currently have about a 27% util. But will be paid down significantly by August.

Unsecure LOC from same credit union opened in April.

My CK FAKO recently went from 686 to 709 then 710.

Credit Sesame FAKO is 736.

Wm FICO is 717 up from about 680 something originally.

According to my CU, at time of inquiry for my LOC in April, my EQ was 695.

Just trying to gauge my chances of approval for the cards mentioned or any other suggestions?

bigblue7722 · ‎05-23-2014

Well your tu score is there. I might wait till your util is under 10% you might get a higher cl and better Apr. Have you thought about the sallie Mae Mastercard? 5% gas and grocery stores up to 250 a month each and 5% back on Amazon up to 750 a month

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.

DoraJane2089 · ‎05-23-2014

Had not really heard much about that one. Will have to check into it.

takeshi74 · ‎05-23-2014

It's fairly frequently mentioned around here.

Only suggestion I have is to get your reported utilization as low as possible just prior to applying.

ExplicitElicit · ‎05-23-2014

I am very satisfied with my chase freedom. When I applied though my utl was around 10% but a much shorter history then you as well. As for your scores you're okay. Have you tried using the pre-approval links for these cards to see what offers you get?