cancel
Showing results for 
Search instead for 
Did you mean: 

Should I app now?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Frequent Contributor

Should I app now?

Hi All,

I've been wanting the chase FU ever since it came out. I opened the original in Jan and I really like it, but the 1.5% will be much better for me. I don't want to PC cause I still use the 5% bonus categories. I want to get pre approved for a home a yr from now. So... I can't app for anything after this. I meet the 5/24 with whatever I app for next too. My utilization is good. I have 4 cards. I have a 2500 limit on chase. I just bought a plane ticket, but it hasn't posted yet. It also doesn't report until the 9th. I have a 197 balance on my NFL card, but that will be paid on may 13th, before it reports anything to the CRA's. Once the plane ticket posts, I'll have about 21% utilization. I was going to wait until next month, just before paying off my car, in case my score drops from it. I have a short history with credit cards. All 4 are from Jan and Feb apps. I did have one card for about 7 yrs, but dont have it anymore. My scores are tu 680, ex 662, and eq 680. I don't want any cards to cancel me for opening new accounts, but so far no issues. Should I wait for this, or am I okay to do this now? Like I said, I can't app for anything after this to get ready for next yr. Is it best apply for chase over the phone, their site, go thru KC? I should mention that I'm pre approved for slate on their site. I got a mail offer for sapphire preferred. I don't think I can meet spending on that one right now though. Working to save more for a down payment.
6 REPLIES 6
Frequent Contributor

Re: Should I app now?

Nevermind. I did it. Approved for 3000.
Message 2 of 7
Frequent Contributor

Re: Should I app now?

Congratulations on your approval. It appears as if you have a solid game plan, keep it up and stay focused on your mortgage.
EX08: 750(12)inqs, TU08: 739 (11)inqs, EQ08: 731 (7)inqs. 4% util., $169,450 spread across 10 cards. THE DIRT: (1) 60 days late-9/13, (2) 30 days late-7/13 as of 6/8/18
Message 3 of 7
Frequent Contributor

Re: Should I app now?

Thanks!
Message 4 of 7
Valued Contributor

Re: Should I app now?

Lol, "nevermind" and got it! Nice. Congrats!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 5 of 7
Frequent Contributor

Re: Should I app now?

Thanks! I couldn't wait any longer. Lol
Message 6 of 7
Frequent Contributor

Re: Should I app now?

One more question... should I do another hp to see if I can get an increase on my old freedom? They did do an auto cli not long ago. My limit on it is 2500.
Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.