Hi MyFICOers...i hope all is well. I need your opinion.
I was reading in another post about the Chase Marriott Bonvoy Boundless card, and now I'm considering app'ing for it...but I would like your opinions on my chances. I only want the card for the SUB of 5 free days, and then sock drawer it. Here are few DPs:
My FICO 8 scores are EQ 751 EX 747 TU 747
I bank with Chase and have the Freedom (OG); Freedom Unlimited Visa Sig; Amazon Visa Sig
I also have cards with AMEX, Cap 1, Citi, Syncrony
AAoA 9 years 4 Months; Oldest account is 22 years; Newest account 1 month
I haven't apped for a new credit card in over 4 years
My credit limits range from 4,500 - 16,000 with a total of approx 90k
I have 5 inquiries on each CR....3 of them are from the same day in October 2021 when I shopped mortgage refi rates. i closed on the refi in December 2021.
Here is where it gets tricky: in May 2022, I opened a HELOC to do home renovations and I opened a Penfed personal loan to consolidate some cc debt. Right now, I'm only carrying a balance on my Citi card to take advantage 0% balance transfer. And I use Amex Gold as my daily driver which I pay in full each month, but i do allow the statement to report with the current month's balance.
Chase pc'd my old Slate card into the Freedom Unlimited Sig card earlier this month. Also I had several credit card pre-approvals on the Chase site until the HELOC and personal loan reported...then they disappeared. It only shows a car pre-approval now.
What do you think my chances are? My plan (if I get approved), is to use this card as my daily driver until i reach the 5k SUB spend, then sock drawer it and go back to the Amex Gold. I will not have a problem reaching the 5k spend in the allotted 3 months. All POV's are greatly appreciated.
