need ur opinion

[newbiewife]

Hi im wondering should I apply for chase credit card?
Cards: amex-4500
Discover: 8750
Zions: 2500
Dillards: 1800
Crap1: 351
Amex is not reporting yet. But all of those is already in my report. I really would like to try chase but im not sure if I should go for it.

[kevinjjc]

Which Chase card did you have in mind? The Chase Freedom? Based on your credit card portfolio, you should have no problems getting approved.

[newbiewife]

I was thinking freddom or sapphire.

[newbiewife]

Sorry typos!

[kevinjjc]

If you go with the Chase Sapphire card, I recommend applying for the Chase Sapphire Preferred for the 40,000 bonus points and no annual fee for the first year. You can downgrade later on if you don't want to pay the AF. FYI, there's a lower spend requirement for the 40k bonus points if you apply in-branch ($2k vs. $3k). You should also consider getting both (Freedom & CSP) since they make a great combo (CSP for the 1:1 points transferability, Freedom for earning UR points).

Look here for a comparison between the regular Chase Sapphire and the Preferred version:

https://creditcards.chase.com/sapphire/credit-card-benefits/compare-chase-sapphire-cards

[kevinjjc]

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@newbiewife wrote:
Sorry typos!

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EDIT: You can edit if you're using the full site version on a mobile browser, but just can't quote. (Thanks MOD pizzadude!)

FYI, you can edit your post if you're not on the mobile site.

Just click on "Options" in your post, then in the drop-down, click on "Edit Reply".

See illustration:

[newbiewife]

Im using mobile site. :-)

[kevinjjc]

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@newbiewife wrote:
Im using mobile site. :-)

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Ahhh, then you can't edit and/or quote. 

EDIT: You can edit if you're using the full site version on a mobile browser, but just can't quote. (Thanks MOD pizzadude!)

[newbiewife]

So what are my chances to get approved either freedom or sapphire?

[kevinjjc]

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@newbiewife wrote:
So what are my chances to get approved either freedom or sapphire?

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In my opinion, your chances look good. Hopefully, others will chime in. What's your AAofA (average age of accounts), utilization, DTI (debt to income ratio), inquiries, and any baddies?