CHASE PRE-QUALIFIED

[Anonymous]

Welp' that's good news for me I guess! Lol I'll just wait till my utilization hits 2% in a few days and I'll put the trigger!!

[Remedios]

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@Anonymous wrote:

Yea I'm at 3/24 and my last negative acct was 5 years ago that I have already paid off in full directly to capital one. Since then I have been approved for capital one, so I'm sure it was a second chance since I paid them back in full.but I think I'll wait a week when my utilization is at 2% and try my luck with chase.

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What's your utilization like right now?

[Anonymous]

9% and I'll also hit my 6th month paying down an installment loan i got for 12 months. So hopefully that kinda helps.

[Remedios]

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@Anonymous wrote:

9%

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Omg. Go apply. I'll wait. 

[Remedios]

9% is perfectly fine and it shows some use on your cards.

There is no need to go ultra low utilization at all.

If your aggregate was over 29%, I'd say wait for a better result, but 2% vs 9%, that's totally up to you, however very little need to do so. 

[Anonymous]

Lol with my scores being on the lower end I think at 2% my chances will be just a little bit better . And I think even if my scores went up even 5 points it'll look better. I think :/ haha

[Remedios]

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@Anonymous wrote:

Lol with my scores being on the lower end I think at 2% my chances will be just a little bit better . 

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Not really, but you need to do whatever you're comfortable with.

If that's waiting, then you should wait by all means. I think it's completely unnecessary, but it's not about me. 

[Anonymous]

Ahhhh decisions decisions!! Lol I'll keep everyone posted' (crossing fingers)

[MasonK]

For what its worth, Remedios almost has me convinced to apply for the Freedom card right now. LOL

[Remedios]

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@MasonK wrote:

For what its worth, Remedios almost has me convinced to apply for the Freedom card right now. LOL

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😂