Freedom or zync

[Anonymous]

I have been itching to apply since all my cOllections have fallen.. Idk what I should go for I bank with chase so rewards would be better with the freedom. Would I be approved?

No baddies,

Bestbuy cc cl3300 joint 8months
Capital one cash cl300 2 months
Capital one platinum cl 3250 4.5 yrs
SFCU cc cl 1000. 2 months
1 Installment loan 2 months
C

[Anonymous]

I am a AU on the platinum

[Mike360]

Since you have a Chase checking account it's a no brainer to get the Freedom. Rewards are much better.

[Anonymous]

Yeah but would I get approved?

[bichonmom]

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@Anonymous wrote:
I have been itching to apply since all my cOllections have fallen.. Idk what I should go for I bank with chase so rewards would be better with the freedom. Would I be approved?

No baddies,

Bestbuy cc cl3300 joint 8months
Capital one cash cl300 2 months
Capital one platinum cl 3250 4.5 yrs
SFCU cc cl 1000. 2 months
1 Installment loan 2 months
C

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Chase likes to see at least 2 or 3 TLs for a year or more. Also, you have several new accts. I think you'd be better off gardening what you have for a while I don't know that the one AU card would be enough to qualify you. I'd probably wait until your own accts have been open a year and then app.

I'd also try for a 6-mo CLI w/SFCU, even if it's a HP. You'll get a better starting CL w/Chase (and anyone else) if they see higher limits on your current accts.

[CreditPacMan]

My AAoA was about 0.6 years when I applied for the freedom last month. I got denied but when I worked with the recon reps I was able to get it approved but with a low limit. I'd say your FICO score doesn't matter as long as you've shown good use of credit in the past.

[Repo-ed]

Chase Trifecta

[CS800]

Both are great cards but the Freedom ahs a better rewards structure than the Zync.

[LS2982]

I would say go with Chase.

[Anonymous]

It's a no brainer to get the Freedom over Zync IMO, especially with the checking account already in place. You might want to apply in-person at a branch.