topic Re: A few questions... in Credit Cards

A few questions...

Kozmo — Fri, 31 May 2013 02:36:44 GMT

First: my dad still has me as an AU on an account. It is from 2003 and is my oldest account. Current AAoA is around 5.3 yrs.

However, the balance is like $700/$1000 which is hurting my Util. I know util is weighed more heavily but my AAoA will nosedive too.

Thoughts on removing me? I know it's a ymmv deal but anyone else have this issue?

Also, I want to app for a CSP. I have 2 freedoms because the second one was some other type of account that Chase switched to Freedom a few years back without me asking them to. I like having both for the 5% categories but could use a csp for travel.

I want to combine the 2 freedom CL's and app for a CSP. I also am thinking about opening a chase checking. However, I don't want numerous inquiries. Will they run it all off of one?

Thanks!

Re: A few questions...

LS2982 — Fri, 31 May 2013 03:21:48 GMT

@Kozmo wrote:
First: my dad still has me as an AU on an account. It is from 2003 and is my oldest account. Current AAoA is around 5.3 yrs.

However, the balance is like $700/$1000 which is hurting my Util. I know util is weighed more heavily but my AAoA will nosedive too.

Thoughts on removing me? I know it's a ymmv deal but anyone else have this issue?

Also, I want to app for a CSP. I have 2 freedoms because the second one was some other type of account that Chase switched to Freedom a few years back without me asking them to. I like having both for the 5% categories but could use a csp for travel.

I want to combine the 2 freedom CL's and app for a CSP. I also am thinking about opening a chase checking. However, I don't want numerous inquiries. Will they run it all off of one?

Thanks!

If you go through their EO it is possible they can do all of that off of 1 HP.

As for the AU question, is he planning on PIF anytime soon??

Re: A few questions...

parakleet — Fri, 31 May 2013 03:23:53 GMT

Need more info - total available CL, current util rate, scores, baddies, inqs?

If you get approved for the CSP, combining CLs from other chase cards is very easy to do. Not sure about a HP for the checking but I do know that chase is very HP happy.

Re: A few questions...

Kozmo — Sat, 01 Jun 2013 12:05:30 GMT

Well I'm not worried about being approved for it my credit is fine. I was just wondering about them using the same HP to do both that's all.

For example lets say I walk into a Chase branch and they HP me to open an account. Can I app for CSP with the same HP? I guess only if I app'd in the branch right?

Re: A few questions...

vn25 — Sat, 01 Jun 2013 12:13:31 GMT

I never heard of a HP being done to open a checking account...

The only HP you should have is the one from applying for the CSP.

Re: A few questions...

SnackTrader — Sat, 01 Jun 2013 12:23:10 GMT

And if your credit is good enough to stand on its own without the AU account, I would go ahead and remove it. It sounds to me like it is, even if your history is short.

Re: A few questions...

Kozmo — Sat, 01 Jun 2013 12:35:53 GMT

Ya I guess it's worth a shot. I can't imagine my score dropping that much if it were to.