After CSP approval how long should I wait to apply for Chase FU?

[Anonymous]

I opened my CSP in July and have really enjoyed racking up rewards points on it, but I applied with the attention of opening up the FU or freedom card shortly after. I'm well below the 5/24 limit but my cards I have are newer and I just barely got approved for the CSP with a $5k limit (fortunately I got approved on the website, and didn't have to use recon). Fako scores are 720s and up so I'm thinking 670-680 on a legit pull.

WM store card $4k limit 1yr 9mos old (so was recently switched from sync to Cap1)
Lowe's store card $17k limit 4mos old
Plus the CSP card $5k limit 3mos old
AAoA 2yrs 6mos

I was thinking I'd go for the Freedom card now because I recently paid my CSP card in full which resulted in a jump in FAKO scores but Chase obviously knows what my current balance is even if I've always paid my statement balance in full. We get a lot of use on the CSP card and I make multiple payments on it so that pesky 5k limit doesn't stop us.

In total I'm showing 8 new accounts on my profile auto loans, the 3 cards, a mortgage, plus the old sync Walmart card, and one unsecured loan that was PIF.

We bank with Chase and have a decent income, so I think that history helped me get the CSP, but I'm not seeing anything on the Chase site as far as green check marks or offers for you. If I apply today I'm in the blind. I could visit my local Chase branch if anyone thinks that might help, but kinda curious as to what the consensus here is for how long I should garden before making a move.

I don't have any big purchases in the works so a wasted hard pull shouldn't exactly hurt, but as I write this I'm kinda thinking maybe I need to wait a bit so these new accounts aren't so new.

[Anonymous]

Just glossing over all of your DP's you provided I'd say you're good to go.  Normally around here the recommendation is 3-6 months between Chase apps or longer if you're more prudent.

Take the guess work out of it and hit a branch to see your pre-approvals and any potential extra bonus they might be offering in branch vs online.

[Anonymous]

Well stopped in a branch and they weren't showing any current credit card offers. I just might pull the trigger and submit an application regardless, but kinda weighing the options now.

[Anonymous]

Well, you have a 50/50 shot w/o pre-approvals in branch.

Maybe wait it out to 6 months past the last one and the chances should go up.  Chase pre-approvals tend to show up when you're primed for an approval and pass all of the criteria they're looking for.

With a variety of lenders I've never really gotten pre-approvals and when I cold apped they were approved.  So, they're not 100% worthwhile but, the trends with Chase run true with certain things.

[Anonymous]

Didn't want to roll the dice with Chase, and after seeing the offers for the Discover IT card decided to check my pre approval status. When. I saw I was pre-approved, and knowing that this card would put me at 4 cards in 24 months, so I'd still have one slot open for the inevitable second Chase card I decided to go for it.

Boom, instant approval with a $9k starting limit. Pretty excited since this is my first card with over a $5k SL.

Appreciate all the advice I've gotten through the forum you guys have been great at helping me make good decisions and keep my scores going up.

In time I will apply for the FU card, but for now I'll go back to gardening for a minimum of 6 months.

[FinStar]

Congrats on the other CC approval OP. Well done. Good luck with FU or CSP down the road!

Locking this thread as you have been approved for the other CC product. Feel free to start a new approval thread in the Approvals forum if you would like to do so.

[gdale6]

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@Anonymous wrote:
Didn't want to roll the dice with Chase, and after seeing the offers for the Discover IT card decided to check my pre approval status. When. I saw I was pre-approved, and knowing that this card would put me at 4 cards in 24 months, so I'd still have one slot open for the inevitable second Chase card I decided to go for it.

Boom, instant approval with a $9k starting limit. Pretty excited since this is my first card with over a $5k SL.

Appreciate all the advice I've gotten through the forum you guys have been great at helping me make good decisions and keep my scores going up.

In time I will apply for the FU card, but for now I'll go back to gardening for a minimum of 6 months.

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As you have now been approved for a card this thread is closed to further comments. You are free to start an approval thread if so desired.