Getting AMEX and Chase?

[IOGARCIA]

A little background and current situation: I am 22 years old, barely starting out on credit.

Cards I have:

CapitalOne Platinum - $500 (opened June 2012)

BofA BankAmericard Platinum Cash Rewards - $500 (opened last month)

Discover Matrix - $300 (definitely want to close but I just opened it 2 weeks ago)

Discover IT - $1.5k (opened last week)

I tried applying for AMEX green, gold, and delta with no luck. My TU is 666 and EQ is 656. For my Discover IT, I applied online and they called me to ask more questions about my income and balances on my cards which aren't high at all, and that's how I got approved for that one. Should I call up AMEX and Chase and try that way? I'd appreciate any advice.

[myjourney]

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@IOGARCIA wrote:

A little background and current situation: I am 22 years old, barely starting out on credit.

Cards I have:

CapitalOne Platinum - $500 (opened June 2012)

BofA BankAmericard Platinum Cash Rewards - $500 (opened last month)

Discover Matrix - $300 (definitely want to close but I just opened it 2 weeks ago)

Discover IT - $1.5k (opened last week)

I tried applying for AMEX green, gold, and delta with no luck. My TU is 666 and EQ is 656. For my Discover IT, I applied online and they called me to ask more questions about my income and balances on my cards which aren't high at all, and that's how I got approved for that one. Should I call up AMEX and Chase and try that way? I'd appreciate any advice.

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Chase wants to see 1 year of history what cards do you want? Edit with such a short history IMO garden for 6 months

[IOGARCIA]

I'm aiming for amex gold and chase freedom or sapphire.

[myjourney]

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@IOGARCIA wrote:

I'm aiming for amex gold and chase freedom or sapphire.

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Sorry for my manners welcome to the forum

CSP sorry I doubt 

[09Lexie]

IMO, I would wait until your new cards are 1 yr. you have added new accounts to a thin file - Chase and Amex would like to see how you handle those new accounts. Plus your inq's will age some giving you a better chance to avoid a toy limit with Chase.

[enharu]

Do you bank with chase? If you do, you have a good chance at the freedom. If not, I recommend you get other cards in the meantime or go garden

[IOGARCIA]

I bank with BofA. Any suggestions on what I should do with the discover matrix? Pay it off and close or pay it off and keep it?

[enharu]

Pay it off and keep it. You can try get it changed to discover it as well

[09Lexie]

Re: Discover Matrix IMO close it and make sure it's closed.

[NJTurnpike]

CLOSE DISCOVER MATRIX!!!!!!!!!!!!!!!!!!!!!