@Anonymous wrote:I have been struggling the last several months. Mom got cancer and passed Jan 11th this year but the last 6 months I've been by her side fighting it. As a result I have barely made ends meet. Luckily my work has kept me employed and let me work when I could but I had very very little income. As a result I put a lot of money on Credit cards and am just about maxed. Was just getting my credit right before all this happened and had just bumped over the 740 mark but am now at the 650 range. When I started putting money on my cards my score started dropping and had gotten an invitation offer but ignored it since I just assumed that they sent it before my score started dropping and if I actually applied I'd be denied. This was back in sept of last year. Today I just got another offer. So I'm curious should I even attempt it or leave it. It does have a 100,000 point offer with it. I just went back to work full time but haven't even gotten a check yet. It will take me about 2 months to pay off all my cards and get back on track.
what do you guys think. I want to get more cards and would like the points but don't want to be denied and hurt myself even more then I am at now.
Are you talking about preapprovals? If so, Chase preapprovals are meaningful, but unless your scores have gone up significantly from when they were at rock bottom, you're probably wasting a couple of hard pulls to apply.
@Anonymous wrote:I have been struggling the last several months. Mom got cancer and passed Jan 11th this year but the last 6 months I've been by her side fighting it. As a result I have barely made ends meet. Luckily my work has kept me employed and let me work when I could but I had very very little income. As a result I put a lot of money on Credit cards and am just about maxed. Was just getting my credit right before all this happened and had just bumped over the 740 mark but am now at the 650 range. When I started putting money on my cards my score started dropping and had gotten an invitation offer but ignored it since I just assumed that they sent it before my score started dropping and if I actually applied I'd be denied. This was back in sept of last year. Today I just got another offer. So I'm curious should I even attempt it or leave it. It does have a 100,000 point offer with it. I just went back to work full time but haven't even gotten a check yet. It will take me about 2 months to pay off all my cards and get back on track.
what do you guys think. I want to get more cards and would like the points but don't want to be denied and hurt myself even more then I am at now.
Not sure what you mean by "offer", i.e. whether it says "preapproved" or not. If not, I'd shred it.
If on the other hand it's a preapproval, then.... If your scores have gone down during the last couple of months I'd leave it alone. If they've gone up during the last couple of months, I'd jump on it.
I didn't realize this was a thread from 2 months ago 
My above answers are mooted by your successful application!
@Anonymous wrote:Well it appears they were legitimate offers.
Got approved for $14k ink preferred card.
My score also bumped back above 700 after paying off my cards so that may have helped.
Congratulations! Great card. A Chase Ink card is the one card on my wish list. I have an application that's been pending for 8 days so far.
Redman333
Grat's on the approval!
Your strategy for cards payoff with the related score improvement surely turned the tide! It seems from my observations that Chase Business Cards can be a challenge for approval? 