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.