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Hello (first post),
I wanted to get your opinion on if I should apply for the Chase Sapphire Preferred.
Info:
Income: 15k + 36k cap gains +$ 5500 college scholarship (application specialist said I could add include this)
CS- Transunion: 739, EQX- 733
I'm also a Chase Private Client (Idk if that helps)
Credit Card Limits: Discover (authorized user) $2500, Capital One (authorized user) $750, Capital One (my first card) $1000. I don't know if authorized user goes towards Chase's "5/24" rule
With Chase it helps to have a banking relationship with them and the fact you're a CPC only aids that. My only concerns are 1) your scores and 2) your cards.
I'm assuming you got those scores from Credit Karma since it's only TU and EQ? I would make sure to get your FICO 08 scores first before anything else. Get at least a free EX score check from creditscore.com to at least have an idea where you stand or CreditCheckTotal for a free trial to get all 3 scores (makes sure to cancel before trial ends). With the cards Chase likes to see customers have experience with higher limits since CSP is a 5k minimum.
Having said all that I think your CPC status with Chase will probably override all that IMO. It probably wouldn't hurt to go to a local branch if you can to find out. If you're over 21 check them for preapproved offers as well along with the website.
BTW, a moderator will most likely move this to the credit card forum. This is the approval forum. You have not applied or been approved.
Go for it!
Would it be easier to get Chase Freedom or Chase Freedom Unlimited?
having $ means zero in getting plastic. does your cpc show a pre-qual? as soon as you get the screen that is when you jump imo