How long does chase like to see for AOYA

[Bees18]

Hi just curious how long chase likes to see between apps and new accounts ? 

Is getting a new account 3 months prior not enough time in between apps? Does it need to be 6 months? Also are 3 inquires (2 within the last year) too many? 

What are your experiences. Also recently I saw the "too many cards with balances" although even one of three cards had a balance (plus one loan has a balance)... is this something they look at as well? 

[Anonymous]

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@Bees18 wrote:

Hi just curious how long chase likes to see between apps and new accounts ? 

Is getting a new account 3 months prior not enough time in between apps? Does it need to be 6 months? Also are 3 inquires (2 within the last year) too many? 

What are your experiences. Also recently I saw the "too many cards with balances" although even one of three cards had a balance (plus one loan has a balance)... is this something they look at as well? 

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I believe Chase likes at least a year of history.

[HeavenOhio]

Figure on your oldest card needing to be a year old rather than simply your oldest account.

3 months of gardening is probably good, but six months is better. It really depends on how much new credit you've applied for. Some should probably wait a year.

Your inquiry situation should be fine.

[K-in-Boston]

Very profile-dependent.  My last two Chase apps and DW's last Chase app were soon after other apps and inquiries.  With thin files, certainly try to give yourself a bit of a buffer.