Thank you all for your reply! I appreciate your words and wisdom!
Rev - I never had auto loan before So I will wait at least my TU Fico is 740 (assuming my auto enhanced score will be around 700). Or, find bank or CU that will go by just EQ Fico (DCU)!
MovingFoward_2012 - My TU Fico is 660, I am so proud of my progress but not in the sweeet spot yet ! I didn't think I would be approved for both Amex.. Although I should've waited because I applied BCE first then should've done SP for PRG, well I learned my lesson!
I am so envious that you got Freedom... I need something Visa and Freedom sounds per-fecto! Rumor says that Chase use Vantage... which mine sucks lol and they actually review revolving credit history which I do not have Just years of SL which Chase does not care (reading many wisdoms from the forum )
At the same time, I am starting to have not so good experience with public transportation and maybe just go with the high APR
Thank you tooleman694 for your words and wisdom!
I decided to wait until next year - just want to be confident with my score so that I don't have to beg to the dealers (kind of worried about them.. that they can from anywhere up to 2.5%, scary )
Thank you MovingForward_2012, as always.
My ultimate goal w/ Chase is for CSP, which for now I will never be approved. So I want to start Chase Freedom then hopefully PC to CSP (not sure if it is even possible, will search around!)
I was even surprised that AMEX approved me, even though it is only $2000 limit, it is very BIG for me since I started from $500 Cap1 secured. I only had Cap1 for couple of months and had SLs but, I am still pleasantly shocked
Thank you for your words and wisdom, I appreciate it!