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@sjt wrote:
I would hold off and let your current card age till at least one year. Once you reach the one year mark and you keep your utilization low you will be pretty much golden.
That's where I'm at right now, 2 secured cards open both for 1 year, utilization low to none.. scores have skyrocketed but that doesn't seem to be helping much in the way of approvals.
@Anonymous wrote:
@sjt wrote:
I would hold off and let your current card age till at least one year. Once you reach the one year mark and you keep your utilization low you will be pretty much golden.That's where I'm at right now, 2 secured cards open both for 1 year, utilization low to none.. scores have skyrocketed but that doesn't seem to be helping much in the way of approvals.
The two cards you currently have are secured cards?
@Anonymous wrote:The two cards you currently have are secured cards?
Yeah the ones in my sig, discover it & cap1 platinum
@Anonymous wrote:
@Anonymous wrote:The two cards you currently have are secured cards?
Yeah the ones in my sig, discover it & cap1 platinum
Have you requested for an unsecured conversion on your Discover card?
@CreditInspired wrote:
@AverageJoesCredit wrote:
Im not sure what part of the forum you have been reading but the standard advice given in regards to Chase is they like more than 1 year credit history and aren't to kind to thin files. Seems you were given the wrong impression somewhere. Just continue to build up your credit history through good payment history snd perhaps add a third card before Chase as they usually dont like to be your first in anything.+100
I was getting ready to type the same thing.
OP, IMHO, you should not apply for anthing else for at least 12 months. Let your account age.
GL2U
OP mentioned that both his Discover and C1 card is over a year.
@sjt wrote:Have you requested for an unsecured conversion on your Discover card?
I have not, they've returned my security deposit a while back and been giving me solid cli's (now up to $2500) so idk if that means it's an "unsecured card" now
@sjt wrote:OP mentioned that both his Discover and C1 card is over a year.
I think they mean to age 2 yrs.
Discover did convert your card to unsecured status if they returned your security deposit and gave you several CLIs.
I dont think you need to have 2 years, but it does help.
I would hold off for a few months then check the pre-qual sites for offers. You also might want to consider an Amex charge card. Amex has a pre-qual site you can use to see what shows up.
I feel you got some bad advice somewhere in regards to wether your profile would get approved for Chase.
If Amex is not showing you prequalification for anything you need to sit on the sidelines for a while. They are known to offer their co-branded cards to thin files like yours. I would continue to check the preqaul for the major banks. Bank of America and Citibank both have good cards and prequalification sites.
https://www.citicards.com/cards/credit/application/flow.action?isInvitation=
https://secure.bankofamerica.com/secure-offers/public/customizedOffers/