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Should I Garden some more or APP? Going for the Chase Sapphire Preferred and Ink Plus

Member

Should I Garden some more or APP? Going for the Chase Sapphire Preferred and Ink Plus

I thought I would pose this question to the group. I have been gardening for a while to better my chances for approval. My last apps were on 6/12. I got the AMEX SPG and the AMEX Surpass. Before the apps my score was 720's across the board. After applying, I got a letter saying my score for TU was 689 Smiley Sad. I signed up for Myfico after and for 6 months watched my scores go up to 701 for EQ and 704 for TU ( MYFICO). Chase pulls TU in my area and I have 8 inq in past 2 years from that CRA, ( All within 12 months; 4 of which are from shopping a car loan).

 

More info: I have a Utilization ratio of 41% ( we are paying it all off in march after taxes come in ) I currently have 7 cards

 

Surpass : 1000 CL

SPG: 2000 CL

Discover more: 3000 CL

Citi AA Plat signature: 11,5000 CL

Citi Hilton signature: 9,000 CL

Barclays Frontier: 5000 CL

Woldpoints BOA: 8,000 CL

 

 

My question is, given my sub 700 score, can I get both the INK plus and the sapphire preferred?

 

I need help because I can't think about anything else but getting these cards!!! 

Discover More (3,000), Hilton AMEX Surpass (1,000), SPG AMEX (2,000), Barclay's Frontier Airlines (5,000), BOA Worldpoints ( 8,000), Citi AA Plat (11,500), Sears (3,600), Best buy (2,500), Citi Hilton (9,000), Citi Hilton Reserve (4,000), US Bank Club Carlson Premier (5,000) and Chase Sapphire Preferred (8,000)

Starting Score: 684
Current Score: 729
Goal Score: 750


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2 REPLIES
Valued Contributor

Re: Should I Garden some more or APP? Going for the Chase Sapphire Preferred and Ink Plus

Did you request a CLI at 61 days on any of your AMEX cards?

 

Your UTI might hold you back because its a bit high; if you get it down then you have a higher chance.  


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Member

Re: Should I Garden some more or APP? Going for the Chase Sapphire Preferred and Ink Plus

No, I have not asked for any CLI as I didn't want to rock the boat and get FR'ed because I really wanted the AMEX cards. I was truthful with my income but there doesn't seem to be a ryhme or reason for FR and really wanted those cards. I got denied  for both on 4/12 and reapped 6/12. I was more of a newb then, I would have done things differently with what I know now. But anyway... No CLI for AMEX, I figured they may go up on their own. I ran 8XXX through Surpass and about 11,XXX through SPG over the six month period.

Discover More (3,000), Hilton AMEX Surpass (1,000), SPG AMEX (2,000), Barclay's Frontier Airlines (5,000), BOA Worldpoints ( 8,000), Citi AA Plat (11,500), Sears (3,600), Best buy (2,500), Citi Hilton (9,000), Citi Hilton Reserve (4,000), US Bank Club Carlson Premier (5,000) and Chase Sapphire Preferred (8,000)

Starting Score: 684
Current Score: 729
Goal Score: 750


Take the myFICO Fitness Challenge