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which pre-qual links? the chase site showing a sapphire for you would be a pipe dream, there is no way. if the amex site shows a pre-qual then its prob solid, EDs tend to have higher SLs than the BCEs but you might be able to snag both if you app for the ED first and get a decent limit. often the same hp. amex likes thin files, you might be ok with them. chase not so much. imo
Are you getting a finite APR with your pre-qualification?
amex and discover pre qual have been solid. I applied for everything Amex pre qual me for[ and it was all approved the same day.
@Anonymouswrote:
I am on Amex, I’m not on BoA, and Chase’s website is having technical difficulties so I can’t tell there now.
FYI this is the correct link for Chase prequal: https://www.chase.com/prequalified
The other link found on google https://www.chase.com/personal/credit-cards/pre-qualified always shows the technical difficulties message.
@Anonymouswrote:
Oh thanks! Though that one is saying “can find no offers, probably because you opted out” (which is true), even though it showed earlier.
Maybe Amex can find it because I have an AU card with them? And if Amex is giving me a finite APR, what does that say about my approval odds?
forget chase. aa is the linkage for sure. if it were me, and thank your lucky stars you are not lol, I would get either the ed or the bce or both on same day. the ed makes a nice placeholder for points so you can get a prg or a bgr to add to the till. the bce is what it is. strike while the fire is hot and good luck, post your results back here
@Anonymouswrote:
Great, thank you!!
Does anyone know if applying for one or both will help or hurt my Auto scores (660-690)? No auto history to speak of but applying for my first lease soon.
Additionally, can anyone point me toward a comparison of the benefits of charge card vs credit card (especially for those who always PIF anyway), or the ins and outs of getting a business card as an individual?
Thanks again!
**Edited to add: forgot to mention, I also pre-qual for the green card, does anyone know if that’s any good? I don’t know much about charge cards.**
@Anonymouswrote:
Great, thank you!!
Does anyone know if applying for one or both will help or hurt my Auto scores (660-690)? No auto history to speak of but applying for my first lease soon.
Additionally, can anyone point me toward a comparison of the benefits of charge card vs credit card (especially for those who always PIF anyway), or the ins and outs of getting a business card as an individual?
Thanks again!
**Edited to add: forgot to mention, I also pre-qual for the green card, does anyone know if that’s any good? I don’t know much about charge cards.**
@Anonymouswrote:
Great, thank you!!
Does anyone know if applying for one or both will help or hurt my Auto scores (660-690)? No auto history to speak of but applying for my first lease soon.
Additionally, can anyone point me toward a comparison of the benefits of charge card vs credit card (especially for those who always PIF anyway), or the ins and outs of getting a business card as an individual?
Thanks again!
**Edited to add: forgot to mention, I also pre-qual for the green card, does anyone know if that’s any good? I don’t know much about charge cards.**
I have an idea. don't take it the wrong way. I would not apply for a card unless you have a reason for needing the card. if you are bringing up a green card then you have more homework to do. sorry but that is the truth. don't waste your pulls on low limit or high apr cards. in addition your scores seem low even with the negs that you have listed. do you have an existing car loan/lease in place or any loan?