Thin file inquiry!!!

[newhis]

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@Anonymous wrote:

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@newhis wrote:

I would apply for Costco TE in store, they should pull EX. Do the 3X CLI at 61 days if possible.

Apply with your CU.

Also Discover. Then garden for 6 months.

I will hold applying for Chase with such a thin file, the Freedom will not have a good SL and the APR after promo will be close to 22.9. It is hard to increase your limit with Chase, sometimes even a HP give you only a little increase. If CSP is prequal, then in 6 months apply for that, start with Chase with a 5,000 card at least, wait 6 months and apply for Freedom, you will get the card with a good SL, if you treat the CSP well.

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In-store app is best for this card indeed.

I wouldn't bother asking Chase for a HP CLI, either (again)

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I read many times in this forum people only getting 500/1000 with a HP, I think it is a waste for CLI. I guess is better to wait for the right time to get a new Chase card, get one with 5000 or more SL and then transfer the limit to the card you use most of the time.

[2NE1]

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CreditFlunky wrote:

1. AMEX

2. Sallie Mae

3. NFCU ... she will be shocked at the CL

I would get those 3 first in that order.  NFCU is the most relaxed as far as inquiries so you can put it almost last but definitely get it

In my opinion, she can get all of those cards you listed.   I would get the Citi then Discover then Chase Freedom.  Sapphire has an annual fee but good rewards so that may be an option.

If it were me, I'd also get the Walmart card at the end of the spree for the free FICO.

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Thanks everyone for the suggestions.

She ended up getting:

AMEX TE: $15k!!!

CHASE Freedom: $4k and

NFCU: $2k! I am shocked that NFCU was that low... but hopefully this CL will increase with time.

Perhaps we can add Walmart for the free FICO