I c-a-n-n-o-t believe Chase approved me... this is the beginning of a complete turnaround in my credit. This time last year my credit was at about 590. I started working on improving my credit, knowing that I planned to move in June 2021. I'm a renter in NYC so my credit has to be at least decent or I wouldn't get anything nice. I ended up getting an apartment that I'm over the moon for and I'm moving at the end of the month. I've started getting prequal offers in the mail and on Sunday I decided to take a chance and see what I would prequalify for. I tried Chase first because I bank there, and I was shocked when it said "We have a match for you!" I applied and was approved with a $7,500 limit - they pulled Experian (696) and Transunion (720). My previous highest limit was a CapOne QS card at $1,250. My total credit limit until yesterday was $4,650, so this should raise my score eventually since one of the negatives on my report is low available credit. After I got approved for the Chase card I thought maybe I should try the Amazon card because it's also Chase. Unfortunately, that was a no from them.
Today I was checking out some prequalification offers and I'm not sure what to do. In all soft pulls only, Ikea Projekt came back at $1,800, Apple is at $3,000, and FNBO nearly knocked me out of my chair with $15,000. I haven't gone through and applied for anything additional yet but I'm wondering if I should just apply for a couple of things now and that way all of the inquiries are at once. For reference, I have (had) 1 inquiry (the rental company) and no balance on any of my cards. Any advice?
