Amazon Prime Visa - want to app but util question first

[Anonymous]

So I have been examining where my spend is and what will benefit me better and the Amazon Prime Visa would be a good fit.  I have no HP's on EQ and EX this year but my hesitation on waiting until after 6/1 is a utilization concern on (1) card that reported last month.  My current overall utilization reported last month was 9% with one card in particular reported at 41% util which has bene paid down to a total balance of $50.

Should I wait until my reports update after 6/1 and the util lowers both overall and on that one card or safe to possibly pull the trigger now?  Current scores are 750's-770's.

Thanks!

[Anonymous]

I was approved for the Amazon Chase Visa at 47% UTL and my EQ score at the time was only 640.

[Anonymous]

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@Anonymous wrote:

I was approved for the Amazon Chase Visa at 47% UTL and my EQ score at the time was only 640.

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Interesting to know and thanks for the response.  I'm also trying to play it safe to get the best SL I can.

[Anonymous]

Yes, that is true.  My SL was only at 2k but didn't complain knowing that my UTL was higher than usual.  I am sure you'll have a better chance with your score too.

[Anonymous]

I think you are good to go getting this card. Overall utilization is below 10% and your scores are great so...let er rip!

[Anonymous]

My advice in these situations is always to wait. If waiting another month could mean bringing all of your util to the ideal range, it could mean a $5k approval instead of a $2k approval. No way of knowing for sure, but I'd recommend waiting so you get the most favorable result.

[AverageJoesCredit]

2 weeks for a better report, id just throw darts on a board so somewhere, a lucky fella or lady can hear those Disco bells and get a cli ( see how simple to move the cli machine of Disco, everyone of all ages can play even while at home )

If it were 6 months, i say shoot for it now but always nice to go to Chase in your Sundays best

[Anonymous]

If you can wait until the 1st than I would. I think I had 5% util when I applied (I have a BT on a no interest card at the moment) and I got $5k. 

[Anonymous]

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@AverageJoesCredit wrote:
2 weeks for a better report, id just throw darts on a board so somewhere, a lucky fella or lady can hear those Disco bells and get a cli ( see how simple to move the cli machine of Disco, everyone of all ages can play even while at home )

If it were 6 months, i say shoot for it now but always nice to go to Chase in your Sundays best

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Thanks for all the responses and I am definitely waiting until the new balance on that account reports before applying.  I'll update at some point on 6/1.

[Anonymous]

Solid decision and one that I think you'll be happy you made come June when you get a solid approval and nice SL.