Cross-posted from a Reddit post to r/CreditCards.
Current cards:
Discover It, $1000 limit, March 2019
Deserve Edu, $300 limit, May 2019
Apple Card, $1000 limit, August 2019
FICO Score: 707 (TU via CK: 697) **Apple Card has not reported to credit bureaus yet**
Oldest account age: 6 months
Chase 5/24 status: 3/24
Income: $15,000 (student)
What's the purpose of your next card? Looking to travel and take advantage of a SuB to go free. American Airlines is the only carrier in my small city. I have other travel expenses and a laptop that would sustain the necessary spending to hit the SuB.
My question is: What are my approval odds of getting the Platinum Select card if I applied after my one year of credit history comes next march. I have 0% utilization (I pay off before statements post) and will be gardening until I can get this next card.
Thanks!
Heck, in a year anything can happen! However, I believe you'll have best luck if your score is at least 725 at the time of the app.
So just maintain your current practice of responsible usage. I would also try utilizing AZEO 3-6 months before the app to maximize scoring.
I would also try to coax some CLI's from Dsicover in the meantime. You could likely request around 4 between now and then, unless you prefer AJC's method of every night after 6
M.
I wasn't exactly sure how often to request CLIs from Discover. I tried one probably a month back and got declined, but shortly after I got an automatic increase, which was nice and unexpected. I plan on trying one when my statement cuts later this month (which will be "6 months" after opening the card, and 6 months of credit history as well)
I'm not sure I know what you're saying when you mention "AZEO".
All zero except one - all balances zeroed out except on one card and keep it under 10% preferably under 8.9% as I understand it.
