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09-13-2017 11:42 AM
I am currently considering opening a card with Chase, which is one lender I never got to crack.
The reason being my lack of SSN, which I'm receiving within 2 weeks, finally (and just after the Equifax hack as well, what luck haha)!
So obviously, I'll be reporting to me existing lenders my new SSN and wait about a month for the reports to be consolidated, and then applying for the card after I've confirmed.
Having said that, I'm considering applying for two cards (I'm 3/24 atm): the Freedom, and a Sapphire card. I can definitely spend CSR $300 travel credit, but I have no use for the Priority Pass as I already have an Amex Plat and I never bring more than one guest. I'm also not sure if I'll be spending enough in dining and travel to make up the difference in fees against the CSP, because I mainly buy flights on my Plat, which I plan to continue to do so (I know 3 UR can be as valuable as 5 MR, but I like Amex's int'l transfer partners as well, and the Plat's not getting too much spend other than flight tickets), but considering the one-Sapphire-per-customer rule, my decision is up in the air a bit.
In the interest of brevity, here are my stats:
AAoA 11 months (lol)
No lates, no baddies
4 cards - BoA (6k), Citi (2k), Amex BCE (1.5k), Amex Plat (NPSL, 35k PoT)
1 credit builder secured loan
FICO8 EX 739, TU 728
What're my chances for each (Freedom, CSP, CSR, applying for two at once), in your opinion? I could visit a branch and find out, but the closest one is 75 miles from home
Thanks all for any help or comments!
09-13-2017 02:47 PM
I suggest hitting up the credit pulls database and seeing the scores/profiles that others that got approved/denied for the card had and make your decision based on that research.
09-13-2017 02:49 PM
09-13-2017 05:11 PM
I would think that a Freedom would be a fairly safe bet. Then from there you can look at the my offers section and see what shows up there in a few months. I took a Freedom on an almost blank report and have since added a FU and a CSP through my offers.
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