I have decided to travel more and have limited credit history. This topic appears to happening more and more and I feel like I have a unique situation. I have some baddies on my report that I didn’t even know were affected me and am working on those.
Currently I have a FICO of 633/632/671 via EX, EQ, and TU.
I have a low UTI across all my cards:
CapOne QS 0% ($1K CL) May 18
CapOne PL 0% ($201 CL) Sept 19
Discover 0% ($500 CL) Dec 19
I have a banking relationship with Chase for the past three months and looking to get into their ultimate rewards program. Salary of 70K+. Looking to put more spend with them and I love their customer service.
I plan on applying for the Freedom in the next 6 months or so. Thoughts? Advice?
Chances of getting approved for Chase Sapphire Reserve right now are extremely, extremely low.
I would definitely not waste a hard-pull on it.
CSR has minimum of $10,000 credit line.
You will need time just to get a Freedom.
Honestly I don't think you should apply to either unless you have a preapproval on the website or in branch.
Find out what is surpressing your scores and pay down any utilization for the best chance. I didn't want to touch a CSP app until I crossed 700 with a thick profile but some baddies (lates no collections or outstanding payments).