All,
Hopefully, this is the correct section; please move if needed.
I am confused with my current pre-approvals/pre-qualifications and am concerned I did something wrong.
Stats:
Currently Open:
PayPal 2% - Opened 11/17 Balance 0, Limit $18,000, monthly spend about $1,000
Amex Gold - Opened 8/2018 - monthly spend about $1,750
Chase Freedom AU - Added 2001 - balance $3,000 Limit $30,000
Amex Business Employee cards (2) - I know these do not impact personal
Open Installment loan at 6% of the original balance
Various closed credit cards all positive from a while ago (didn't realize I shouldn't close...)
One Chase Charge-off DOFD 2012 - will drop in July
Scores via Experian 3-Bureau pulled today
Ex 738, TU 830, EQ 833 (the chargeoff only shows on Ex)
AAoA 9.6 across the board
Before I got the Gold card, I would check pre-qualification from time to time and had great solid offers from all major issuers except Chase. Now when I check, I get fewer options, no solid APRs (or middle of the road APRs whereas before they were the best level), only entry-level cards, etc. I have no idea why? When I was approved for Gold, my score was 722, so that is up now. I check my reports often, nothing fishy. The only thing I can think of is when I opened the Gold I was offered Pay Over Time ($20K at 20%) which I declined. Yes, I know this is a Charge Card, and I pay the balance every month.
Any thoughts? It doesn't matter except I would like to get the Marriott Business card before the AF increases in March (and it is kind of freaking me out). After that, I am not applying for anything until after July when all accounts are clean.
Thanks in advance for your suggestions.
