Next Card Mixed Signs Chase 4/24

AndySoCal · ‎01-05-2025

@youngandcreditwrthy The utilization based on the balances reported for me each month is around 2% . All of my FICO scores are over 800. I was on Experians website the other day usually I see maybe 2 or 3 cards that say matched for you. This time there wasn't a card tharptvdid no say matched for you. I yawned and logged off. I have 3 inquires 2 on Experian and 1 on Equifax. One of the inquiries on Experian will fall off in June.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

Pppoolboy · ‎01-05-2025

@Varsity_Lu wrote:
4 new cards and 13 hard pulls in 11 months? Honestly, I'm surprised you are pre-qualified for any card. No offense but you should probably let your file cool off for a while before applying for another card.

That's incredibly silly. I have 17 hard pulls in the past year and 14 new accounts in the past year and I was just approved for a second Discover card and a Verizon Visa card.

51-year-old licensed banking and finance attorney. Series 65 registered investment advisor. Southern California. I am happy to educate anyone under the age of 40 but I will not argue with you because you know nothing and I have better things to do. I have been doing this longer than you've been alive. If you want my advice, you can pay me with sincere gratitude or money, and not necessarily in that order.

Varsity_Lu · ‎01-06-2025

@Pppoolboy wrote:
@Varsity_Lu wrote:
4 new cards and 13 hard pulls in 11 months? Honestly, I'm surprised you are pre-qualified for any card. No offense but you should probably let your file cool off for a while before applying for another card.
That's incredibly silly. I have 17 hard pulls in the past year and 14 new accounts in the past year and I was just approved for a second Discover card and a Verizon Visa card.

Well, those cards you mentioned are quite different considering the banks that issue them. The OP is eyeing the Sapphire Preferred which is a Chase premium card, not a Synchrony card. And the Chase pre-approval tool gives him nothing. Probably not going to happen for a while.

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver