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@Anonymous wrote:
Sorry forgot to mention the limits. 2,300 on the Cap One card 1,250 on the Discover It.
Ok.. How many inquiries and then we can decide the next course of action. If you have Discover, are you looking for another cashback card?
Since you only have 7 months of credit history, it's not surprising they you're not prequalified; lenders just haven't had time to put you in the system yet.
6 months is probably the first big jump in establishing credi, though atleast 1 year history looks far better.
That's good that your util is at 2% instead of 0. You should always try to keep a small balance on 1 card. Having 0% util can actually damage your score, so try not to let that happen.
@Anonymous wrote:
TU 2, EQ 2, EX 3
We keep interchanging in posts.... Why do you want the Chase Freedom?
I'd say go for it. I don't get any pre-quals since I'm under 21, but I got approved yesterday for $2k @ 19.24%. My scores are similar (maybe a little lower) than yours, and I only have 2 months of my own credit history (but 6 years as an AU). Good luck!
@Anonymous wrote:
I'm looking to get the Freedom since I know the categories differ in quarter from the Discover It. May sound dumb but hey I can't lie. Lol.
Ok.. Although you are not pre-qualified, apply for it. If you are not approved instantly don't get sad or worried. You have 30 days to get it approved / recon. Report back with results if you apply.
@Anonymous wrote:
What bureau(s) does Chase usually pull?
What bureau a lender pulls depends on your state / region. Waht state are you in?