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Should I wait?

New Member

Should I wait?

I have 7 hard pull in the past 2 years. Should I wait until these disappear before applying for a Chase Sapphire Premium and a Discover IT?

 

719 score from experian.com 

have $7 used/$13050CL currently because I pay in full every month now. 


Chase Freedom - $6000 Amex Blue Cash - $2000 CLI-> $6000 (4/2/13) CLI --> $18,000(9/14/13) Capital One Visa - $750 Shell Card - $300 (Closed) Chase Sapphire Preferred - $5000 (Accepted 6/29/13) Discover IT (Accepted 7/03/2013)
Age: 22 Score: 719
Message 1 of 8
7 REPLIES
Moderator Emerita

Re: Should I wait?

Seven? Even if they were all on the same bureau IMO - no. How long have you had the Freedom?
Message 2 of 8
Member

Re: Should I wait?

I got Freedom Sapphire on the same day, and Ink a week later, just try it and see what happens imo.

Message 3 of 8
New Member

Re: Should I wait?


09Lexie wrote:
Seven? Even if they were all on the same bureau IMO - no. How long have you had the Freedom?

I had 7 because they pulled my credit for chase paymentech(creditcard processing) and when I applied for a card with 0% intro rate to save on interest and got denied. the rest were card application and credit line increase


Chase Freedom - $6000 Amex Blue Cash - $2000 CLI-> $6000 (4/2/13) CLI --> $18,000(9/14/13) Capital One Visa - $750 Shell Card - $300 (Closed) Chase Sapphire Preferred - $5000 (Accepted 6/29/13) Discover IT (Accepted 7/03/2013)
Age: 22 Score: 719
Message 4 of 8
Valued Contributor

Re: Should I wait?

I just applied for the Discover IT with 7-8 inquiries and got approved so I think you have a good shot especially with your low utilization.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 5 of 8
Frequent Contributor

Re: Should I wait?

You could definitely get approved for it now.  Chase approved me for their Southwest card when I had 6 inqs on Experian within the past 8 months.

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 6 of 8
Super Contributor

Re: Should I wait?

How many hard pulls do you have in the past 12 months? What is your AAoA? I think you are fine for discover. Chase I don't know; need more details. You can check to see if you are preapproved on chase website
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 7 of 8
Valued Member

Re: Should I wait?

 
Message 8 of 8