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Hello everyone,
I have been getting pre offers from Chase for the past few months now and I'm thinking about applying but I need some advice.
The offers are for both the freedom and the slate.
Freedom-
0% intro APR until 2/1/2013
$300 Cash Back with first purchase
5% Cash Back
1% Cash Back
Slate-
0% Intro APR until 2/1/2013
12.99 after 2/1
Both with no annual fees.
I just open a American Express, and Barclay Visa card.
Here is my credit profile...
Discover More (AU) CL $15,800 Balance $184.00
Barclay Visa CL $3000, Balance $1000
AMEX PIF Each Month
Paypal Smart Connect CL $800, Balance $124.00
Orchard Bank CL $300, Balance $47.54
US BANK CL $3500, Balance $1,000
I just open the Barclay and Amex in July, the rest have a year of history, no lates
Should I apply for the slate and the freedom and do a balance transfer for Barclay? Will Barclay do a CLD?
I also ran my EX report from AMEX and it was 748
Any advice is appreciated!
Very nice score! Really solid mix of credit in your portfolio. Do you NEED the new Chase account? You have a much better credit profile then I do -- but I consistently hear on MyFico to only apply for credit that you need. Barclay's is inq sensitive. But if your latest inq's were 4 months ago, that might be okay. A lot of people love the Freedom and Saffire.
At any rate, congrats on amassing an impressive credit profile in only a year! I hope to get where you are at in 2012.