check their prequal page..you should get approved i see no reasons why not to
I am heavy into Chase but didn't do so as early in my profile, so hard for me to compare. From what I have seen, it looks like you would be on fence - could go either way. The problem with that is if you apply too early for any card, you can get approved but with a lower starting limit or higher APR than you would have gotten if you had waited a little longer.
Pros:
You have banking with Chase. *Big tie-breaker, IMO.
You're seeing (I assume a prequalifed offer) for CFU on Chase website?
Scores appear solid 755-762-730
(*note: thin file scores can be misleading for approval odds.)
AAoA overall is starting to thicken at 2 yrs; 9 mos.
Cons:
Your overall credit file is very thin and new.
Your banking relationship with Chase is only a month old.
You have only one credit card in your file.
Your only credit card is only three months old.
Income might be a concern for them to give a strong limit,
depending on total debts and housing payment.
17% usage on your only credit card might be a concern.
Personally, I think waiting a little longer will give you more satisfactory results. Chase is a pickier lender. They like more established credit files, more demonstrated experience with credit. Waiting will give you better approval odds, more solid approval with better SL and APR. Let that lower utilization report and stabilize on your one credit card. Give the payment plans you mentioned time to show up (although they may not report at all.) Let your Chase banking age a little longer and make sure you use the accounts regularly. I would consider opening one other credit card account before applying to Chase just to thicken your file. Let your accounts age six months to a year. Discover and Capital One are both good lenders to get cards with thinner files but there are others more agreeable to new files than jumping in with Chase too quickly.
Between CF and CFU, they're both good cards. If you don't have a good flat-rate card, the CFU with 1.5% cashback on anything you buy is a pretty good starter card. (The 5% categories on CF can also be good but depends more on your spending patterns and you only get 1% on everything else. I think a higher 1.5% flat-rate card might give you better overall results now.) Later, if you decide to get the Sapphire Preferred or Reserve, the CF or CFU can become part of the trifecta for you. It's a great combo when you pool the UR points together. 
@thatguycx wrote:I did get a mail offer from Capital One for their Platinum Card so I may go with them first. I just didn't wanna push and get close to 5/24. And I'm guessing I was pre-approved for the Chase Unlimited, it was under the offers page on the app; however, when I go to the pre-qualification link it says there's no offers since it might be because I'm not opted-into prescreened offers. But I did go to https://www.optoutprescreen.com/ to opt in a few days ago if that was the case. And that 17% usage is from my credit as a whole, not on just the credit card.
That Capital One Platinum is probably a safer move for your profile. You'll be fine with 5/24; just don't go app-crazy with more cards. With a thin file, just think about it as applying for no more than one card every six months to be safe. Let the Platinum and your credit union cards age (and use them monthly but pay balances after statement cuts to show usage). Have utilization under 9% when you apply with Chase, but I would give it a year or so. And continue to show financial responsibility and usage with your Chase banking. You'll be in a strong position when you apply later.
+1 to Chase not liking thin files. I've had checking with them over a decade but I'm waiting possible 2-3 years before I start app'ing for the trifecta because I'm thin and my limits are low. Ideally you want your SL to be 5k+ so you fall into the visa signature bucket. If you don't already have limits at or above 5k you're gambling. It's definitely worth waiting and building up your history and limits first.
I wouldn't get the cap1 platinum if you already have history, it's meant for rebuilding/starting, no bonuses and there are better no FTF cards. The quicksilver (QS) seems to be in a lot of people's wallets here, see if you're preapproved?
WF Propel is nice if you spend a lot on dining/gas/travel 3x categories(no rotating), this is what's tiding me over until I can get signature versions of Chase cards. No FTF and no AF.
Discovers SUB matches cash back earned for the first year, but rotating categories.
Before I knew anything about credit the first card I ever app'd for was CFU, with no real credit history Chase was very kind and only hit me with a SP and a letter saying my score was 604 + a laundry list of reasons why I wasn't even worth a HP(even though I had 10+ years banking history). My first card was a cap1 platinum w/ $300 SL.
I'm personally waiting before I start app'ing for my first Chase card because I want it to be visa signature and get a good SL. Hope this info helps your decision
I wouldn't get the cap1 platinum if you already have history, it's meant for rebuilding/starting, no bonuses and there are better no FTF cards. The quicksilver (QS) seems to be in a lot of people's wallets here, see if you're preapproved?
WF Propel is nice if you spend a lot on dining/gas/travel 3x categories(no rotating), this is what's tiding me over until I can get signature versions of Chase cards. No FTF and no AF.
Discovers SUB matches cash back earned for the first year, but rotating categories.
Before I knew anything about credit the first card I ever app'd for was CFU, with no real credit history Chase was very kind and only hit me with a SP and a letter saying my score was 604 + a laundry list of reasons why I wasn't even worth a HP(even though I had 10+ years banking history). My first card was a cap1 platinum w/ $300 SL.
I'm personally waiting before I start app'ing for my first Chase card because I want it to be visa signature and get a good SL. Hope this info helps your decision
