Let me start that I really wanted this card because with my job, I rent a car every week so I was looking for a card that can be my primary insurance when I rent a car. But after reading on this forum about how Chase are notorious about their 5/24 rule, I was beginning to wonder how will I be able to get this card because I have been approved for 1 Capital one Quicksilver in March ( SL was 2k, now it's 10k). In May I was approved for Discover it secured ( 2.5k SL), Chase Freedom (2.5K SL), American Express Platinum, PRG, BCP ( 2k SL) and ED( 2k SL). So that's more than 5 cards. So after my last American Express card, I was planning on gardening for at least 2 years, but since I really wanted that card, I tried calling Chase to ask them about a product change from the Freedome to CSP, but they said I can't cause my Freedom is only 2.5k limit. So since my American Express cards haven't showed up on my credit report yet ( Capital one QS, Chase Freedom and Discover already been there) I said what the heck, let me try to apply for it since I won't be able to fo 2 years anyways after the American Express cards post on my credit report, so I took the chance and I applied on my iPhone and I was instantly approved for $5K! I was so happy because my gamble worked and now finally I have all the cards that I need in my wallet. What's better now is that I already finished all the spending needed to get all the bonuses on my other cards including the 100k offer on the platinum so now I have 3 months to get the 50k points on the CSP and additional 5k points if I add an additional user. Thanks again for everyone on this forum for their great advice. My Fico Experian as of today was 649.
Definitely! Especially the only 2 collections on my account are going to fall off in less than a year ( both are zero balance now) and by then all the credit inquiries will loose their sting on my credit report so by then I should be in the middle 700s with all the cards I need in my wallet.
lol. Congrats OP
It feels great to be approved! Congrats.
Nice, congrats
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
Congrats to you !!!
@Anonymous wrote:Definitely! Especially the only 2 collections on my account are going to fall off in less than a year ( both are zero balance now) and by then all the credit inquiries will loose their sting on my credit report so by then I should be in the middle 700s with all the cards I need in my wallet.
And that's when you hit them all up for CLIs. Congrats.