Update: Approved - CHASE Sapphire Preferred odds with recent new accounts.

[greg_the_egg]

I really want to apply for the CSP, but I'm a little nervous about the new accounts. When looking at the narratives provided by myfico.com, creditkarma and other sites regarding my report, all give me a poor rating in the recent credit category. I'm wondering if Chase will view me the same way.

No inquiries on Experian(798). 4 inquiries in January on Transunion(799). 1 installment loan opened December. 2 cards opened in January.

Rough Profile:

BoA 3-2-1 0/16k (opened 11/2012)
Cap1 Quicksilver 0/10k (opened 8/2012)
1 Mortgage ~150k/200k (opened in 2011)
2 Auto loans ~30k/38k (total; summer '16, one spring '17)
1 Personal Loan ~13k/15k (opened 12/2017)
BOA Travel Rewards 1k/23k (opened 1/2018)
Barclay Arrival+ 0/12k

Also have 2 closed (annual fees) credit cards and a paid auto loan from around 2012 on my file.

~100k income

What are my chances?

5/12/2018 Update: Applied on 4/26 for the CSP, American Express Blue Cash Peferred, and Navy Federal Platinum. After Identity verifications, I was instantly approved for $25k on both the BCP (Ex) and NFCU (TU) cards. The CSP took a while because I had to get some documents to Equifax regarding a 605B. After my EQ report was straigthened out, I unfroze EQ, and Chase approved the CSP (EX & EQ) for $19K. Since January, I've gone from ~$16k to ~$130K. I've also had both of my auto loans refinanced with Digital Credit Union (EX) at 2.74%. Once all 5 new accounts show up on my reports, I'll update my scores. I'm really curious as to the affect of 5 new accounts in addition to the 3 I added in January. For FICO purposes, 8 new accounts in a year cant be good. Fortunately, I'm done applying for anything until at least 2020.

Mod note:  I've updated your subject to reflect your approval; feel free to change/edit if you would like.  --UB

[Anonymous]

I think your chances are pretty good. You have a good amount of cards with high limits and low utilization. Your installment loans are a bit high though. The new credit your worried about isn't too bad in my opinion. The inquiries are pretty low and it's been 3 months since your newest account. I think you're good.

[ShatteredK]

Your credit profile looks well rounded. I think you definitely have a chance. Have you checked to see if you pre qualify?

[Anonymous]

Your chance are very good , try to see if your preaprroved , but im sure your will get approve

also they mostly HP experian which is good in your case

[greg_the_egg]

On cardmatch I'm pre-approved, but I get nothing on Chase's on website.

[Anonymous]

you should be good with your score and your profile

[Anonymous]

OP, your profile grants it IMO. However, i would go to the a branch and apply there, which will increase your chances.

[kshurika]

I second c00mtg.

[Anonymous]

Your scores defintely look solid, be prepared for chase to pull from two of the credit bureaus. Credit pull database (Google one) will show you ones most likely pulled.

[greg_the_egg]

UPDATE: Approved for $19k.