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So here is my background:
AOA- 2yr 6mo oldest accnt- 7yr2mo AU
INQ- TU-4 EQ-6 EX- 9 only 2 inq in last 6 months on all
no negatives at all on any report.
TU- 708 EQ- 692 EX-682 utilz- 42%
Revolving
10mo Discover More- 3700/4500cl
10mo Chase Freedm- 4/3000 cl
10mo Barclays Rwrds 0/ 750 cl
1yr10mo Wells Fargo Secrd 0/ 300 cl
6yr8mo Macys Store AU- 18/ 100 cl
7yr2mo Kohls Charge AU 50/ 1500cl
Loans
4mo Auto Loan - 6500/ 8800
2yr2mo SalliMae - 3500bal
2yr2mo SalliMae - 1500bal
1yr6mo SalliMae - 3500bal
1yr6mo SalliMae - 1500bal
Can I get approved for Chase SP at 5k with my biggest limit 4.5k
also will thet give me the regular chase Sappire with a lower limit if not approved for SP?
Also I wanna apply for Amex Delta,Banana Republic Visa,Travelcity Amex, BOA Rewards, Citi AT&t Universal ?
Can I apply for another discover if its only been 10months since first one.?
What are my odds for approval here or am i just waisting my time,
I waited atleast over 6-9 months after getting my prime cards
to apply for more. will i get higher limits then before or about the same.
And please dont say pay down card and then apply or wait 2 months.
I have to apply now to save crazy intrest paid now.
My auto loan and discover balance are
at a high intrest rate.
So i want some 0%apr promo cards
that way i can pay them down faster
while saving intrest
but i want to get enought credit that it doesnt hurt my utilz alot.
But the question is can i get approved for a 5kcl cards like CSP with my history and high utilz rate.
@uroosa1 wrote:So here is my background:
AOA- 2yr 6mo oldest accnt- 7yr2mo AU
INQ- TU-4 EQ-6 EX- 9 only 2 inq in last 6 months on all
no negatives at all on any report.
TU- 708 EQ- 692 EX-682 utilz- 42%
Revolving
10mo Discover More- 3700/4500cl10mo Chase Freedm- 4/3000 cl
10mo Barclays Rwrds 0/ 750 cl
1yr10mo Wells Fargo Secrd 0/ 300 cl
6yr8mo Macys Store AU- 18/ 100 cl
7yr2mo Kohls Charge AU 50/ 1500cl
Loans
4mo Auto Loan - 6500/ 8800
2yr2mo SalliMae - 3500bal
2yr2mo SalliMae - 1500bal
1yr6mo SalliMae - 3500bal
1yr6mo SalliMae - 1500bal
Can I get approved for Chase SP at 5k with my biggest limit 4.5kalso will thet give me the regular chase Sappire with a lower limit if not approved for SP?
Also I wanna apply for Amex Delta,Banana Republic Visa,Travelcity Amex, BOA Rewards, Citi AT&t Universal ?
Can I apply for another discover if its only been 10months since first one.?
What are my odds for approval here or am i just waisting my time,
I waited atleast over 6-9 months after getting my prime cardsto apply for more. will i get higher limits then before or about the same.
And please dont say pay down card and then apply or wait 2 months.
I have to apply now to save crazy intrest paid now.
This is what 95% of the members on this forum are going to tell you because that is what you need to do. Also, your revolving credit has very little history as it is still pretty new.
The CSP is not 0% intro rate. If you need to BT then I would suggest the Slate
You might not want to hear it, but if you want a CSP that is exactly what you need to do. I'd say your odds of getting approved are close to nil with your low AAoA and having a card maxed out. Like the poster above said, if you are looking for a 0% BT card then the slate is what you should be looking at. Even then, you probably are not going to get a high limit card with a util % sitting above 30%
Have you considered calling Discover and asking them to lower your intrest rate? Lots of people have had success with calling them and getting them to lower it a few percentage points every few months until its sitting at the lowest it can go!
OP, isnt your Freedom still in the 15 month 0% promo? I am betting the 3% fee will be less than you will pay in interest on the maxed out card.
Would it be better to apply for like a chase southwest?
also since i have the discover more for like 10 months now
can i apply for the discover it too?
I dont know, i think i can get approved for quite a few cards
even with my utilz. around low 40's
I'm thinking i might just apply for 5-6 prime cards and
prove i can get approved for like 4.
My goal is to get 15k or more in new credit. doable?
If my one account reports the $0 balance today(which it should - (chase and 2nd day after statement cut already!!!)
i will go ahead and do a app spree and test out for others to compare too.
The only problem I see is the high utilisation, although people have been getting approved with theirs somewhat high too. I was approved with more inquiries and a lot less shorter average age of accounts, although I dont think that matters as much as people think it does. You don't need a limit of 5,000 before they will approve you. If you've been using and paying the Freedom off nicely then that will really help you. The regular Sapphire still needs a 5,000 limit and they have the same requirments.
People have reported trouble when trying to obtain more than one personal Discover card, but you can try. You would not be able to transfer the Discover More balance to the Discover IT card, if that was why you wanted it.
Even if you did get approved for these cards, the limits would be lower since the reports do not look as good as they could. Although, it's only 3700 in debt, so even though you're almost at 50%, it's a miniscule amount. If your income is high enough that 3700 isn't a problem you may not have a problem with these cards. Citi and American Express do not let you talk to credit analysts though, so if a computer decisions it then that's that. Neither seem to be good with reconsiderations either.
@uroosa1 wrote:Would it be better to apply for like a chase southwest?
also since i have the discover more for like 10 months now
can i apply for the discover it too?
I dont know, i think i can get approved for quite a few cards
even with my utilz. around low 40's
I'm thinking i might just apply for 5-6 prime cards and
prove i can get approved for like 4.
My goal is to get 15k or more in new credit. doable?
If my one account reports the $0 balance today(which it should - (chase and 2nd day after statement cut already!!!)
i will go ahead and do a app spree and test out for others to compare too.
I would caution you against applying for 5-6 prime cards at one time. I say this for a couple different reasons.
1.) You most likely will not be able to run enough money through each card to get the bonuses
2.) By applying for that many prime cards your INQ's will go up and it is a big red flag to current lenders and you risk AA. This has personally happened to me.
3.) If approved, you will most likely get low initial CLs due to your current lower limits and a maxed out card.
4.) Credit is a marathon, not a sprint.
5.) You should never app for new cards simply to "prove" anything to anyone, including yourself. Focus on growing your current CLs instead of hammering your AAoA.
Now, this is all advice. You obviously do not have to listen to anyone on this forum but remember that most of us have been where you are at. If you truly only need a 0% BT card, just get one. There is no need to app for cards like the Chase Southwest if you do not fly Southwest often.