10-19-2012 09:13 PM - edited 10-20-2012 12:31 PM
I would like to apply for a Chase Freedom, but I'm double minded about my chances. These are my current accounts:
(Always pay in full and no negatives yet)
-Auto Loan Joint liability with wife: Jan 2012 (32k still outstanding)
-Capitol One: April 2012 500 Limit
-Amex Zync: May 2012 NPL
-Amex BCE: May 2012 6k Limit
I'm an AU on my wife's following accounts:
-BoA CC: 2008 4.5K
-The Limited store card: 2008 1k
-Gap store card: 2006 800 Limit
-Macys store card: 2004 2.5k limit
My AoA is listed as 3 yrs and 6 months (because of AU cards). I dont have any credit history prior to 2012. I also have 14 hard inquiries across the three CRAs (all within 2012). Last one was 06/17 when I couldn't resist the sign up bonus for one of the citi cards (of course I was denied).
Any thoughts on my chances for a freedom? I've had a chase checking account for little over a year now and earn 125k/yr. Thanks in advance.