Hello all, been a long time lurker here. I've been gardening and raising my score for just about a year now, and I've been wanting the CSR for a while now, just like everyone else. What do you think my chances are? I'm at 4/24. No baddies, utilization is at 11%. Thanks!
Income: $95,000 (This is an updated info from when I posted many months ago, still gardening)
Citi DoubleCash: $8500 (1 yr 4 mos)
Uber Visa: $5000 (1 yr 1 mo)
Freedom: $4500 (1 yr 1 mo)
Freedom Unlimited: $8600 (6 mo)
Capital One Platinum (Authorized User): $3000 (5 Yr)
Let me explain: I asked for a CLI for my CFU after the 6 month mark. The original amount was $4300 and they approved me for $8600. I wanted to be in the ballpark for close to $10,000 for the CSR for a Chase card. They pulled Experian and it went from 747 to 716 due to the hard pull...But I think the lower utilization rate, and my continued effort to pay things in full will mitigate these effects for the next couple of months. I plan on applying for the CSR sometime in April to allow my EX credit score recover for a few months with strategies mentioned earlier.
I'm mainly concerned if about the amount of credit I have is close enough to $10,000 for them to grant me a card. Recovering the credit score is totally doable. What do you think? Thanks!
Citibank did a double soft pull for the CLI, I should have asked for more to be honest...But the amount of credit is the main issue as you can see, since I'm stuck at 4/24, I can't apply for any new cards besides the CSR to stay under, and the rest of the cards such as the Uber and the Freedom will require another hard pull...Which will dig a deeper hole for me in terms of inquiries and credit score hit. I'm in a bind.
Perhaps the Transunion from Barclays could take a hit from a hard pull since Chase is not as likely to pull from there and mainly pulls from EX for me as you can see, I don't know.