Usually, my advice would be wait 6 months to a year but the CSP seems to be more income sensitive.
Scores aren't great but you may still be on the borderline of what they'll approve.
I'd ask Discover for a CLI (no HP), see if that improved your score, then apply in a few months.
Starting Score: 675If Discover will give you a CLI, with no hard pull, there's really no reason to wait beyond when the statement cuts.
Chase is fairly reasonable to deal with during reconsideration. If denied for too many inquiries all you have to do is tell them about recently getting a car and student loans.
I generally try to pay before statements cut. That might give you a few more points.
@jaraico wrote:few of my stats:
discover CL 1000- over 5 yrs old
jared and kay cards-1200 2yrs old
cap 1-1500 7 months
citi simplicity-1000 3 months old
chase southwest- 5000 3 months old
current util is 10%
no baddies
aaoa 1 yr 9 months (all the new cards brought it down)
11 inq (student loan shopping last year and car shopping in january)
63k a year
new car loan 2/2013 26k
TU score 680, EX score 696, EQ 672
when should i apply? any help???? thanks!!!!
I would wait at least 6 more months and when your score is above 700.
Chase seems fairly open about liking income to be above $50K for their Signature and Preferred products.
Even with a good score and clean history, my Freedom isn't eligible for Signature upgrade. I'd qualify using household income but don't feel doing that should be necessary.
