BBS - Didn't you say you fly at least a couple times a year?
No. I said that I literally never travel back in post 20 and then I referenced it again in post 29. At most I travel once per year for an annual business conference, but that's booked and paid through my employer and never involves my personal CC.
I'm not saying that it's difficult to spend $600+ a month dining out. What I said was that I felt you were the exception, not the rule, as if you polled the majority of this forum a small percentage would be spending that in dining out that aren't travelers. Naturally, if you're traveling a lot almost by definition you're going to be dining out. If you aren't traveling, which is what we were talking about in having no use for a travel card, the amount of people that spend $600+/mo on eating out is significantly diminished.
By chase standards Freedom cards seem to be the easier cards to get... That said....
Chase likes 1 year of previous revolving credit experience.... yes folks have gotten cards with less but garbage in = garbage out
Chase does NOT like being your first card.... (which isnt an issue here)
The score still is 50/50 chances but not the credit experience...
Esp with the current util.... Pay down/off that Disco.... pronto!
In other words... the crystal ball.. says a big fat NOPE....
Try again later...
Matt, not sure if this helps at all but here is my 2 cents. I'm 53 years old and have 4 credit cards. AMEX blue cash preferred 20k, Quicksilver visa signature 15k, Chase FU 10k, and a Discover it 10k, utilization 99% of the time reports at 1%. All 3 credit scores are 760 plus. Point is this, I have the credit cards that I need/use/want. Cap 1 for my monthly bills; Amex for groceries/gas, hotel room if I want to travel. Chase for everything else, golf, dining out whatever. Discover is the catch all for rotating categories or if I happen to want to carry a balance from time to time because the APR is 11% on that card. High tier card, low tier whatever works for you is what's important. I personally have all the cards I need/want.
Totally see your point Matt. I think the FU and the Freedom are both about the same as far as being approved for the card. If your friens gets that utilization down and has a solid say 6 month payment history I think she'll be good to go for either. For me, the Chase Sapphire Preferred or any other travel card wouln't really work for I don't travel that much anymore. Spent 24 years in the Air Force and I must have been to Hawaii 20 times!! LOL Everywhere from New York to Cali. Anyway, yeah a flat 2% card would be better for me, but I don't sweat a .5%. Good luck to you and your friend!!
Did your friend ever got approved? I got my denial letter from the Amazon Chase Visa and although my Equifax FICO08 is 664 for Chase and their card acquisition score shows me at 627 which is very low and different, but I wanted to give you that data point just in case.