Dropping one card and adding two cards with Chase

[FinStar]

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@Anonymous wrote:

Thanks everyone. I have the Cap One card already that I got in late summer. I don't see any other Cap One cards that interest me and lots of Chase cards I would like to get over time. I have a 30M limit on Chase and 30M on Cap one. I don't need both but don't want to lose either credit line.II already have  Chase Marriott from 2008 but it is my only other Chase card.

Does Chase have any limit on number of cards you can get? I have gotten six new cards including one from Chase In the last four months and was anticpating trying To make switch in late spring. I really want the U.S. Bank Carlson card but think I will get rejected because of so many new apps. From reading this board, it seems too early to do any more now? Right? Would there be much chance of getting the Carlson card and the two Chase cards in the spring with a Fico of 780?

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No limit in the number of cards from Chase.  It mainly depends on your internal (undisclosed) limit with them and/or what they are willing to lend you at the maximum (if no more "room" they may suggest spliting the CL on a current account).

As far as US Bank, I would suggest waiting - they are definitely not fond of recent new accounts or inquiries.  So, if you don't acquire any new accounts or add any other inquiries between now and April/May of 2015 and your scores remain within the same range (or higher), then you should have a decent chance.

[Anonymous]

I think Chase sometimes gets concerned if you open a bunch of Chase cards at the same time. Generally, they'll just ask for income, though.

If you're interested in Freedom, I wouldn't close the Sapphire. The two work synergistically together. If you're dead set on closing it, you can try a PC, so that you don't have to go through the apping process, but this wastes the potential sign up bonus, which is significant with Freedom. You also can't PC ot a branded card, so you would have to app for the airline card separately. I would generally keep the Sapphire open, however. 

Good luck with whatever you decice, and let us know!

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

Thanks everyone. I have the Cap One card already that I got in late summer. I don't see any other Cap One cards that interest me and lots of Chase cards I would like to get over time. I have a 30M limit on Chase and 30M on Cap one. I don't need both but don't want to lose either credit line.II already have  Chase Marriott from 2008 but it is my only other Chase card.

Does Chase have any limit on number of cards you can get? I have gotten six new cards including one from Chase In the last four months and was anticpating trying To make switch in late spring. I really want the U.S. Bank Carlson card but think I will get rejected because of so many new apps. From reading this board, it seems too early to do any more now? Right? Would there be much chance of getting the Carlson card and the two Chase cards in the spring with a Fico of 780?

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No limit in the number of cards from Chase.  It mainly depends on your internal (undisclosed) limit with them and/or what they are willing to lend you at the maximum (if no more "room" they may suggest spliting the CL on a current account).

As far as US Bank, I would suggest waiting - they are definitely not fond of recent new accounts or inquiries.  So, if you don't acquire any new accounts or add any other inquiries between now and April/May of 2015 and your scores remain within the same range (or higher), then you should have a decent chance.

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That's the strategy here.