App time!! CSP

[Anonymous]

Sooo I have honestly been trying to hold out for applying for this card until I do my HELOC app in the beginning of 2016 😩. But with the new 50k signup bonus, I don't want to miss this opportunity.

So from you guys, what do you think my approval odds will be

AAoA 2yrs 1mon
Total Credit UTI 39%
FAKO scores 707
4 accounts opened in last 2 yrs.

In the past 2 months I have also recieved two(2) invites for this specific card. Please give me your honest opinion.

[Anonymous]

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@Preetymoney wrote:
Sooo I have honestly been trying to hold out for applying for this card until I do my HELOC app in the beginning of 2016 😩. But with the new 50k signup bonus, I don't want to miss this opportunity.

So from you guys, what do you think my approval odds will be

AAoA 2yrs 1mon
Total Credit UTI 39%
FAKO scores 707
4 accounts opened in last 2 yrs.

In the past 2 months I have also recieved two(2) invites for this specific card. Please give me your honest opinion.

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If your Fico scores (you really should get them) are close to the scores you listed, your chances are pretty good but your utilization is going to affect the limit you receive and possibly the overall approval.  I'd really try to get that lower before you apply

[elim]

I would pull my FICO scores...  mine are VERY different.  here's this weeks Vantage 3 and FICO 08 (they pull EX and my EX fico is 75 points lower)

[DeeBee78]

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@Preetymoney wrote:
Sooo I have honestly been trying to hold out for applying for this card until I do my HELOC app in the beginning of 2016 😩. But with the new 50k signup bonus, I don't want to miss this opportunity.

So from you guys, what do you think my approval odds will be

AAoA 2yrs 1mon
Total Credit UTI 39%
FAKO scores 707
4 accounts opened in last 2 yrs.

In the past 2 months I have also recieved two(2) invites for this specific card. Please give me your honest opinion.

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Is there a rush to signup for this? I don't think this is a temporary signup bonus. Everything I'm reading seems to indicate that this is the new permament signup bonus. 

I know it's not the same card, but when the Freedom got a $200 bonus earlier this year, it was very clear that it was only for a limited time. This time, with the $150 bonus, there's no such verbiage. 

[elim]

may as well check the pre-qual and jump on it.  atleast 5k

[Anonymous]

Check their prequal site.  If it comes up, go for it, but personally I would wait until your utilization goes down and then apply.

[kdm31091]

Id get the utilization down before applying.

[Anonymous]

Another vote to check the PreQual.  Seems to be pretty good (at least it was in my case....)  Good luck!

[Anonymous]

Well I am already pre-qualified according to the site. I did try to check my scores through myFICO but its not allowing me to get the information. Has anyone else experienced this when they did their first sign up?

[Anonymous]

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@Anonymous wrote:

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@Preetymoney wrote:
Sooo I have honestly been trying to hold out for applying for this card until I do my HELOC app in the beginning of 2016 😩. But with the new 50k signup bonus, I don't want to miss this opportunity.

So from you guys, what do you think my approval odds will be

AAoA 2yrs 1mon
Total Credit UTI 39%
FAKO scores 707
4 accounts opened in last 2 yrs.

In the past 2 months I have also recieved two(2) invites for this specific card. Please give me your honest opinion.

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If your Fico scores (you really should get them) are close to the scores you listed, your chances are pretty good but your utilization is going to affect the limit you receive and possibly the overall approval.  I'd really try to get that lower before you apply

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Okay I just checked the Experian website and according to them I am actually at 718 according to FICO 8. Do you all think I should proceed? and I have checked the pre-qual site and it says that I am.