Tell your buddy to pay down that Disco card. That usage is out of control. LOL congrats!! Awesome SL! Good luck with the Citi DC!
I made a post of helping a family member acquire the Chase Freedom in January 2019. Well I thought why not try for the Chase Freedom Unlimited now. I sent a "refer a friend" link to him so I can get the $100 bonus (since I already have a Chase FU) and we proceeded to apply. Filled out the application and submitted. Instant approval within 10 seconds! He received a SL of $6,800! He got two Chase cards within 4 months of each other!
Below are his current DP.
Auto loan: Joint; Paid 77% of the original amount
Amex BCE: $0/$18,000
Chase Freedom: $0/$6100
TU FICO 8: 790
EX FICO 8: 777
INQ: TU - 0; EQ - 0; EX - 1 (last 12 months)
Revolving utilization: less than 1%
Missed payments: 0
5/24 Rule: 2/24
Next up is the Citi Double Cash!
Congrats to your friend on the card and solid SL!
Congrats to the family member on the approval!
As others have said, tread lightly for a little while so Chase doesn't get spooked and rescind his cards down the road. While his profile is pretty solid, datapoints show that Chase will be SP'ing him quite regularly looking for a reason to kick the accounts to manual review.
Tell your family member to join up and we'll save him a plot in the garden!