How long did it take YOU to hit the Chase Trifecta?

[Anonymous]

Title says it all. Bonus points, how long did you take to finish the Trifecta + a business card? 

This is from when you got approved for first card to approved to last card.

[JRashon]

It took me 1 year 1 month. I received the Chase freedom Unlimited in December 2017 (SL: $500/CL:$1000), Chase Freedom in January 2018 (SL: $500/CL:$1000), Chase Business Ink Cash in May 2018 (SL:$7000/CL:$8,500), and finally the Chase Sapphire Reserve in last month on the 5th (SL/CL:$10k). A bunch of my friends take flights and cruises all the time so i buy their tickets and they venmo me. Easy $4k spent in 1 month. My next card will be the World of Hyatt card and i'll apply around October/November.

[Anomoly777]

JRashon, 

If if you dont mind, what was your score and file like when you applied?

[JRashon]

At the time my Fico 8 was EXP: 732 TRANS: 690 EQU: 722. My oldest credit card is 5 years 9 months (authorized user). My 2nd oldest is 2 years and the rest are a year or younger. I have about 8 credit cards total. $55k personal income. My highest credit limit on my personal credit file (biz cards don’t count) is $8,500 on the authorized user card that I don’t use. My personal cards limits are $4,500, $2,500, $1k, and $1k. The whole chase wants you to have a card over $10k isn’t set in stone. I believe you just can’t have too much debt when you apply. I immediately applied after I paid my car off and $10k was taken off my report. Feel free to ask more questions if you have any.

[wasCB14]

Freedom: Nov 2013, no credit history except an old HP from a rejected GEMB app.
CSP: Jan 2015, downgraded to CFU around Dec 2017.
CSR: May 2018

No Ink card yet. Not as fast as some, but I got two nice Sapphire bonuses, and that's trickier now.

CFU didn't exist when I started, and the Ink options were a little different. The term is popular but the meaning of the tri/quad/penta?-fecta isn't as clear as it used to be.