None of what you suggest will be a problem, but pull your scores first. Then go look at CSP approval metrics.... there's a good chance you qualify for one outright instead of doing the two step Freedom plan if it's the CSP you want long term. If you want both cards long-term, CSP might be the better of the two choices to apply for first anyway, but I don't know Chase well enough to predict that. My reasoning, since you're travelling in under a year, some lenders might have issues with opening up a second account within call it 12 months from the original one. I haven't seen at least on these forums people applying for two Chase cards in short order unless they already had a Chase relationship but it's probably happened and I just missed it or didn't know about it.
Edit: if you can't get that answer regarding Chase on the forum, it's worth talking to a Chase rep on assuming you want both cards long term with your timeline dictated by the travel plans.
Second Edit: AAoA, you don't have an issue there at all. I think the most important AAoA metric is 1 year, 1 month, and probably anything over 5ish years is just gravy for the most part. There are plenty of folks out there who wish they had your report, don't sweat it just figure out what you want account wise and go for it.
@Revelate wrote:None of what you suggest will be a problem, but pull your scores first. Then go look at CSP approval metrics.... there's a good chance you qualify for one outright instead of doing the two step Freedom plan if it's the CSP you want long term. If you want both cards long-term, CSP might be the better of the two choices to apply for first anyway, but I don't know Chase well enough to predict that. My reasoning, since you're travelling in under a year, some lenders might have issues with opening up a second account within call it 12 months from the original one. I haven't seen at least on these forums people applying for two Chase cards in short order unless they already had a Chase relationship but it's probably happened and I just missed it or didn't know about it.
Edit: if you can't get that answer regarding Chase on the forum, it's worth talking to a Chase rep on assuming you want both cards long term with your timeline dictated by the travel plans.
Second Edit: AAoA, you don't have an issue there at all. I think the most important AAoA metric is 1 year, 1 month, and probably anything over 5ish years is just gravy for the most part. There are plenty of folks out there who wish they had your report, don't sweat it just figure out what you want account wise and go for it.
Agree! Also I think there is a benchmark around the AAoA of 3 yrs mark. Seems Like I was able to get credit easier when my AAoA hit 3 yrs.
FICO 8: 
Goal: Gardening!
Goal: Gardening!
Yout plan is fine, just check with Chase that they don't have some silly one year after opening Freedom before you can get a CSP or whatever. If they do, you may want to look at a different lender's card to serve the role of the Freedom for the short-term. Other than that there's no issue, and FWIW from your post your revolving utilization should be 13% unless you get an old FICO version used ('98, not many lenders still use this and Chase certainly doesn't AFAIK)... Amex charge card balances don't factor into revolving utilization on either '04 or '08 versions of the FICO models.
AAoA for active credit people probably doesn't get that much above 10 years even, new cars, new houses, new credit cards, new personal loans, etc ad naseum will all drag down AAoA, it's certainly a factor but I don't think it's a large one compared to some others. Making every payment on time, that's huge, and I heartily salute you in doing that over the long term. Utilization can always be fixed, though yours isn't bad right now.
Also if Chase does have some silly goose issue with two cards in fairly short order, go get your own Amex instead which'll backdate to the date you were added onto your parents' card if that's been open for a while. I'd still recommend pulling your report, even if it's just $20 for the EQ score here: that's probably the most viable FICO measurement we have these days. There may be something unexpected, or you may be pretty prestigious yourself FICO wise, but in either case it's good to know where you stand before talking to lenders.
@webhopper wrote:
@Revelate wrote:
Second Edit: AAoA, you don't have an issue there at all. I think the most important AAoA metric is 1 year, 1 month, and probably anything over 5ish years is just gravy for the most part. There are plenty of folks out there who wish they had your report, don't sweat it just figure out what you want account wise and go for it.
Agree! Also I think there is a benchmark around the AAoA of 3 yrs mark. Seems Like I was able to get credit easier when my AAoA hit 3 yrs.
You're probably right about that WH, good point and thank you for making it for my own credit building run.
@Anonymous wrote:
I just spoke with Chase and was told that it might automatically deny my application and send me to the reconsideration line but it definitely shouldn't keep me from getting the card. Good call on that one. Two questions, though: 1. My parents' card has two lines on the statement. One is for pay in full charges and the other is pay over time charges. Is this really a charge card or would it count as a credit card? 2. My second post mentioned a line of credit. It seems as if TransUnion has it as an installment account. Experian and Equifax seem to include it in my revolving accounts. When it did have a balance, the payment was $50 per month regardless of balance. Does this make any sense or am I reading something wrong? I did waste my time checking my Experian PLUS score and my TransUnion Vantage score (which I already got for free from CreditKarma) before getting a real FICO score from this site. The other ones offer some good information but if you have to pay for them all anyway there's absolutely no reason to not go with myFICO.com.
If you tell us what the specific Amex card is, you can get an explicit answer. In general, Zync, Green, Gold, or Plat = charge, and pretty much everything else = credit card from Amex. There's a few exceptions but they're pretty rarified. Amex does have some pay over time option on their charge cards which people on this forum avoid like the plague, that may be why it's reporting strangely... I've never actually heard how that option reports or if it does at all but it's the only thing I can personally come up with. Lots of people will know better than me though on that count, I'm still a forum newbie.
I would trust the EQ reporting it as a revolving account regarding the LOC, unless it is (or was possibly) some extremely large amount... on the order of 30K, which a $50 / month payment probably wasn't that. The TU version from myFico is a little dated in some regards, but the EQ one is Beacon 5.0, FICO '04, and that's pretty commonly used or it's newer sibling (FICO '08) so I'd bet on it's factoring into your revolving utilization. The EX FAKO's from either Credit Sesame or Quizzle or Experian themselves, are generally newer than the '98 FICO is my understanding of it. Others may be able to clarify better on that point... using those sites isn't wasted though, just the score they provide is next to useless. The report data is really what's going to get you approved or not: it sounds like you have a good report, so you should have a pretty good FICO across the board assuming all 3 bureaus are roughly in sync without a major negative on them.