What card would have a higher limit and approval rating?

[Anonymous]

Hi all,

I am currently looking to get another card.  I am between the Citi Double Cash and the Chase Freedom Unlimited.  I'd like to know what one is easier to get approved with and what one gives a higher limit.  You can see my scores and cards below.  Thanks!

[FinStar]

OP, scores alone aren't going to be the only factor when assigning a SL. This will depend on your overall profile, DTI/utilization, AAoA, etc.

Your signature currently displays a 7 month AAoA, it is unlikely that Freedom Unlimited or Double Cash will be able to get a SL above your AMEX given your thin profile. At best, Freedom *may* come closer to your Discover (if approved) while Double Cash might be way lower.

IMO, I wouldn't stack it to see what's easier to get approved for as much as which CC would be the best value rewards-wise or overall benefits in the long run.

[Anonymous]

Okay just updated the stats.  I am also looking at the new Amex card that gets 1.5% back?  

[xaximus]

OP, as mentioned before, there's alot more to getting an approval for a card then whats listed in your signature. But based on what's listed, Chase usually likes to see atleast 1 year credit history. Citi is usually more stringent when giving CL's from what I have seen so whichever card you choose to get, won't have too high of a limit. I would recommend giving it another couple months (3) so that your AAoA hits atleast 1 year before shooting for another card. You want to built a relationship and trust with creditors. 

Just my two cents, good luck though!

[FinStar]

OP, have you checked to see whether you are pre-qualified on any of their sites? Are you opted-in?

[Anonymous]

Yes I was thinking of doing that.  At that point I think I will apply for the new Uber card and go with that for a while.  How is Uber with approvel?

[Anonymous]

I will check citi now and last I looked the chase pre-qual was down lol

[Anonymous]

Just did the Citi and they did not match me with any of there cards. I know I could get in with Amex with there 1.5%.  Might be a higher limit with them.  Lots of options.

[FinStar]

True, lots of options. Since you already have Discover and BCE (cashback wise), what's the reasoning behind another cashback CC? Are you maxing the thresholds?

[Anonymous]

Well since my Discover is on the 5% rotating, I would like a card that gets a good return on dinning like the Uber one.  As far as why 

I am looking at the Double Cash and Freedom Unlimited is because they give a better return on everyday spending.  I think I am going to wait till I have one year of credit history and get the Uber card as most of my spending is dinning.