After cleaning my credit and strategizing my applications, I made the decision to apply for the Chase Freedom 31 Days after getting approved for the Chase Freedom Unlimited to avoid some of the horror stories.
Credit Scores at time of App:
EX: 738 pulled from Chase 740 actually from EX report
Oldest Card: 16 months
Average was about a year due to new Chase opened last month
Util at App: 1%
Available Credit: $3,900 reporting, $10,600 with CFU not reported
EX: 4 (Just noticed it should've been removed a month ago)
No installment loans
Card Approved instantly with the same limit as the last card: $6,700, called received in mail 2 days later
Thank you everyone for your contributions, I will do what I can to help pass down knowledge!
Congrats on the approval and nice SL.
Congrats on your approval and welcome to the forums!
As far as your inquiry removal goes, it's two years . They are not scorable after a year, though.
You mentioned your oldest account is 16 months old, so unless inq was for something else prior to first CC app, you have 8-9 months left depending on CRA before it's completely gone.
Enjoy your new card
Congrats on both your Chase approvals!
Since your AAOA is a year and both your Chase cards were approved within a short timeframe, I would garden for at least 6 months to minimize any potential AA.