Next Chase Card? Advice?

[Anonymous]

Hello everyone I’d like some advice, suggestions etc for a Chase card I am interested in. Here are my following cards with their limits and other info:

Discover It - $4k CL, opened Feb 18 2019
Citi Secured - $400 CL, opened March 10 2019
Chase Freedom - $3.8k CL, opened Nov 14 2019

FICO 8 Scores
EX: 718
TU: 735
EQ: ???
Income $32k

As you guys can see my file is quite thin but was able to get a Freedom card with less than a year of history. I’ve heard that with Chase the hard part is getting in, once you are in it’s fairly easy to get other cards with them. Is this true? I ask because I am interested in the Chase Sapphire Preferred card. I’ve heard of many people being approved for this card after 2-4 months of showing responsible use with the Freedom cards, so I was wondering if you guys think if I have a shot at this card? I know my file is thin and it will work against me, but if I do apply obviously it won’t hurt to wait until my Discover turns a year old and maybe even the Citi card as well, which by the way I have already received a letter about a month ago saying this card will become unsecured and I’ll be receiving their Diamond Preferred card which I plan to product change into a Citi DC. Initially I was interested in the Propel card for the broad bonus categories it offers but I think I need focus on Chase first due to their 5/24 rule. Sorry for the long post, hope I can get feedback and thanks everyone for your time! 😊

[seattletravels]

You can check the prequal on their site or in a local branch.

However, you might want to wait until you get your Citi PC and see what the CL is. I'd also check for a CLI on your discover and CF when available.

CSP is a Visa Signature so starting limit will need to be at least $5K. They may not want to be the first lender to offer you that limit.

[Anonymous]

Which chase card do you feel you'd benefit from aside from the Freedom you already have?

[M_Smart007]

Also if you are near a Chase branch?

You may want to go in and speak to a personal banker.

See what you are already approved for. JMHO

[Anonymous]

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@seattletravels wrote:
You can check the prequal on their site or in a local branch.

However, you might want to wait until you get your Citi PC and see what the CL is. I'd also check for a CLI on your discover and CF when available.

CSP is a Visa Signature so starting limit will need to be at least $5K. They may not want to be the first lender to offer you that limit.

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Yes I have thought of waiting for the Citi card to pc and see if I get a cli, although I am not too hopeful haha. Discover on the other hand, I started this card out as the secured version back in Feb of last year with a deposit of $2300. The card graduated in October, did not get a cli but three months after that, I did get an auti cli of $1000 and then a day later i tried my luck double dipping, successfully getting another $700, bringing my limit to $4k. I have heard of Discover giving auto cli to people quite often, or some people request one every three months or some every week haha but I don't think I am in a position to do this yet haha! 

Oh and to everyone else I feel like the CSP would be a good fit for me now, since I do travel once a year and the af isn't too bad and if I find no value, I can just downgrade it to a CFU! 

[kerplunk]

In your shoes, I would let your three accounts age for a year before applying for everything else. 

Also, think about your goals: what do you want to achieve with more credit cards?

[Anonymous]

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@kerplunk wrote:

In your shoes, I would let your three accounts age for a year before applying for everything else. 

Also, think about your goals: what do you want to achieve with more credit cards?

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I want to achieve a solid base of cards and try to maximize rewards along the way! Like mentioned before, even though the CSP does have an AF, it isn't much and after a year or two, if I find no value in it, I can downgrade it to a CFU which is a pretty solid card imo, maybe a few other cards have a higher earning rate than this but I see no reason to cancel this card. I know this isn't a race or a sprint, so this is why I ask people for their thoughts and opinions, if I should slow down a bit, how long should I wait to pull the trigger again etc. 

[Anonymous]

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@Anonymous wrote:

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@kerplunk wrote:

In your shoes, I would let your three accounts age for a year before applying for everything else. 

Also, think about your goals: what do you want to achieve with more credit cards?

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I want to achieve a solid base of cards and try to maximize rewards along the way! Like mentioned before, even though the CSP does have an AF, it isn't much and after a year or two, if I find no value in it, I can downgrade it to a CFU which is a pretty solid card imo, maybe a few other cards have a higher earning rate than this but I see no reason to cancel this card. I know this isn't a race or a sprint, so this is why I ask people for their thoughts and opinions, if I should slow down a bit, how long should I wait to pull the trigger again etc. 

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Did you check the Chase Pre-Qualified link or in-branch already? If you pre-qual for the CSP, go for it. If not, garden and let your accounts age some more.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@kerplunk wrote:

In your shoes, I would let your three accounts age for a year before applying for everything else. 

Also, think about your goals: what do you want to achieve with more credit cards?

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I want to achieve a solid base of cards and try to maximize rewards along the way! Like mentioned before, even though the CSP does have an AF, it isn't much and after a year or two, if I find no value in it, I can downgrade it to a CFU which is a pretty solid card imo, maybe a few other cards have a higher earning rate than this but I see no reason to cancel this card. I know this isn't a race or a sprint, so this is why I ask people for their thoughts and opinions, if I should slow down a bit, how long should I wait to pull the trigger again etc. 

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Did you check the Chase Pre-Qualified link or in-branch already? If you pre-qual for the CSP, go for it. If not, garden and let your accounts age some more.

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Yes I have checked the prequal link but I always get the no offers available for you at this time haha! Prior to getting the Freedom card I would also check this link and get the same message. I know of people that never get prequals from Chase but still get approved but I welcome any suggestions of course and I know it won't be the same for every profile. When I did apply for the Freedom card I did go to a Chase branch near my home and the banker told me I was pre-qualified for the Slate card not sure if that was true or not haha, but I think I may have to pay a visit to my local branch to see if I have any offers. Apparently one can have in branch offers even if one doesn't get one from the prequal link?

[Anonymous]

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Did you check the Chase Pre-Qualified link or in-branch already? If you pre-qual for the CSP, go for it. If not, garden and let your accounts age some more.

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Yes I have checked the prequal link but I always get the no offers available for you at this time haha! Prior to getting the Freedom card I would also check this link and get the same message. I know of people that never get prequals from Chase but still get approved but I welcome any suggestions of course and I know it won't be the same for every profile. When I did apply for the Freedom card I did go to a Chase branch near my home and the banker told me I was pre-qualified for the Slate card not sure if that was true or not haha, but I think I may have to pay a visit to my local branch to see if I have any offers. Apparently one can have in branch offers even if one doesn't get one from the prequal link?

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Yes, one can have in-branch pre-qualified offers without having any online.