Debating about Southwest Premier

[Anonymous]

I received an email offer for this card with 50K points on $2000 spend in 3 months. The bonus is that I get a $100 statement credit with my first purchase which would cover the $99 annual fee. 

Now that Southwest is flying out of Long Beach, I feel like I might be flying Southwest a lot more than I currently am although it used to be my primary airline.

My concern is that I won't qualify due to DTI (low income, high student loan debt) and lack of high limit cards. Thoughts?

[creditguy]

What are your scores looking like? While DTI and income are important, scores go a long way as well. Also any baddies or negatives, are viewed more adversely than student loan debt or DTI since a lot of people have significant CL's compared to their income.

[Anonymous]

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@creditguy wrote:

What are your scores looking like? While DTI and income are important, scores go a long way as well. Also any baddies or negatives, are viewed more adversely than student loan debt or DTI since a lot of people have significant CL's compared to their income.

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Scores are all 700+. Only negative is a 60 day late from about 2 years ago. I've had the Freedom with them for 3+ years and took a HP to bump it to 1K last year from $300 which was granted upon recon. The Slate was approved on the same recon. The analyst I spoke to at the time said something about having to adjust my internal portfolio to account for my student loans being in IBR, hence my semi-reluctance on this application.

[creditguy]

Well your scores are good enough, I get your concerns with your student loans, but considering your scores and history with chase it might be worth a HP to find out if you can spare one. You have experience in the recon process if it comes to that. It's your call though and I wish you good luck if decide to go for it.