Pre-approved for chase freedom could try to apply for chase sapphire?

[Anonymous]

I have 6 month of credit history , 710 TU and 722EX ,
on Chase website I am prequalified for Chase Freedom and Slate, I would like to get the Sapphire preferred, should I try ?
now I have cap-on 900$, merrick 500$ (should be 1000$ in 2 month), Amazon 3000$ , Gap 1000$,   Amex Green NSLP.
Income is 120k.

I would like Sapphire because for travel and because has no foreign fee.

thanks

Pier

[Anonymous]

Chase has the 5/24 rule, but if you have a prequalify, then go for it.  All they can do is say "no".

[Anonymous]

thanks, I could try for the Sapphire or Freedom? , in prequalify they said only Freedom and Slate.  I would like the Sapphire, maybe in the application the income could help . Amazon and Gap are store card I maybe are not in 5/24 ? 

[Anonymous]

honestly i would wait to get a higher SL because chase isn't known for growth unless you're fine with a $500-$2000 limit forever almost lol. also, don't try for CSP yet. you're way too fresh

[Anonymous]

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@Anonymous wrote:

thanks, I could try for the Sapphire or Freedom? , in prequalify they said only Freedom and Slate.  I would like the Sapphire, maybe in the application the income could help . Amazon and Gap are store card I maybe are not in 5/24 ? 

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If they are credit cards, they are credit cards and thus contribute towards Chase's "5 or more credit cards opened in the past 24 months" denial reason.

[Anonymous]

i HAVE seen two members go to a branch of chase and get a prequal offer being out of the 5/24 rule but that's providing they were honest about it lol

[Anonymous]

you are right but this is strange: I am looking in my experian record, and Cap one, Merrick and Amex are type= credit card.   

Amazon and Gap are type = charge card. or charge account

[Anonymous]

a charge card is still a credit card. amex charge cards are still classified as credit cards as they're "revolving"

[Anonymous]

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@Anonymous wrote:

you are right but this is strange: I am looking in my experian record, and Cap one, Merrick and Amex are type= credit card.   

Amazon and Gap are type = charge card. or charge account

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I think that they also count store cards in the mix.  With you EX score, why aren't you going after the BCE or BCP?  BCP offer 6% cash back on groceries, 3% gasoline and 1% everywhere else while the BCE offers 3/2/1.  The CSP is superior on points, but your EX score puts you in a good position for a higher Amex SL   As for your transunion score,, Barclay and Discover Card should be viable options.

[jeffm4688]

As one of the people who bypassed the 5/24 rule by getting a freedom on monday I can tell you you should take it if you want it. I wouldn't app for the CSP if you're not pre approved