chase freedom and csp

[jaraico]

ive heard great things about having the freedom and chase sapphire preffered combo

so maybe its time to app again?

income is 63,000

score 700

aaoa 2.5 yrs

no collections

car loan 02/2013 for 30,000 down to 25,000 

student loans in defferment

app free for 6 months! 6 or 7 inquiries in last year (car shopping)

credit cards:

1. discover over 5 yrs old  0/1000

2. citi opened 12/2012  550/1000

3. csp opened 04/2013  500/5000

4. jared 2 yrs old  900/1400

my first cc ever was a bank of america american express which i maxed out and i closed for financial hardship

so never went to collection but currently still paying off, remaining balance is 500

do you guys think i cant get the amex blue or cash card? or the chase freedom?

[Kozmo]

Have you checked their pre-qualified offers site?
Check that first.

The only issue I would have is that you're carrying a balance on 4 cards. But everything else looks good

If you apply and are denied I would recon. You can probably talk your way through an approval. But you stand a decent shot right now

[swpopham]

well, why haven't you been getting CLI's on the discover if its 5 years old its time to call and say hey am i prequalified for a 10k limit? and think too your citi is at 55% uti

[jaraico]

ive literally tried to get a cli every year and they keep giving me bs answers why not to.

thats why i refuse to use it but i cant close it since its on my oldest

[Kenny]

Have you tried getting a CLI on Discover before you make a payment and have a balance on the card? I've found that works as well.. but I've honestly never had any trouble at all with them... I've done the chat for a CLI, I've called, and I've done it through Message, and also on the soft pull page luv button. LOL GL!!

[B335is]

I agree, I would check the preapproval link because of carrying a balance on 4 of 5 accounts. If you got your Citi balance down below 20% I think you have a good shot at it.

[MMB85]

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@jaraico wrote:

ive literally tried to get a cli every year and they keep giving me bs answers why not to.

thats why i refuse to use it but i cant close it since its on my oldest

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If it helps any, I had my Discover card since 2009, rarely used it. Started out with a $500 limit. I've tried in the past to get a CLI but was denied. I tried the other day and punched in $4500, so that it would bring me to 5,000 and I was approved. Have you tried CLI through your account on the site rather than calling?

[jaraico]

good idea!

[09Lexie]

Is the Discover a Student card? Is it the More?

[Networth]

For American Express I would be worried about there "internal algorithmic" you said you opened a BoA/Amex card maxed it, than closed, and are slowly paying it off. I would wonder how their super secret system views that.