@mjnierva23 wrote:
@myjourney wrote:
@mjnierva23 wrote:
So i plan on apping for the chase saphire preferred soon. ive been leaving a small balance on my freedom card for while about 8%. Now i just got a discover it card. One of reasons i got this card was to get one CL closer to 5000 because i have read that chase likes to see good use of a similiar CL my previously highest was 1500. What are your suggestions should i PIF on the discover it card or would chase like to see a small balance and than PIF a month before i app??
How long have you had the Discover card because Chase likes to see some history of using a card with that range of limit. Chase is also INQ sensitive and new accounts may hurt YMMV
I just got the discover card this month that is why im gunna wait 3-4 months before i app. So my question is should i keep low balance on it like my freedom or just PIF to show regular use of the CL.
And i only have 1 INQ which is from discover
Doesn't matter which one you leave a balance on IMHO I would leave the balance on my freedom since you want another Chase card but I would use the Discover card as well and PIF
Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
