You can try applying now. If denied, your inquiry would have aged a little by July / August (past 6 months mark) and you can reapply again. In most situations, chase wants to see at least 1 year of credit history, though it's not a fixed rule that's enforced all the time either.
Citi can be a little unpredictable, but if this is going to be your first account with them, they are generally a lot more stringent.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
