(Success!) What should my next steps be

[Creditaddict]

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@ksantangelo23 wrote:

Pulled my TU report, FICO sitting at 773. Only pulls on there are from Chase and CapOne

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APPLY!

[ksantangelo23]

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@Creditaddict wrote:

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@ksantangelo23 wrote:

Pulled my TU report, FICO sitting at 773. Only pulls on there are from Chase and CapOne

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APPLY!

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Really considering it for this week.

Im itching badly for the Freedom card. What chance is there that I could be approved. Is there an auto-denial within a certain amount of time for Chase? Im sure there is.

I'll be completley on my own since they do not factor in AU history.

Personal stats:

EDIT - Income 22k

Total Credit: 11.4k

UTL: Less than 1%

Real world debt: $0

EDIT: Hard Pulls: TU: 2, EQ: 3, EX: 4

Oldest Account: 4m

AAoA: ~2mo

[ksantangelo23]

I'm just not sold on the Sallie Mae card. Being another MasterCard doesnt make it any more desirable either.

I think the hit I would take to my true AAoA, plus another inquriy would not be worth the ~$35 savings I calculated I would get with it on groceries+gas (being their quarterly monthly cap is 250 per category.) Freedom would give me that, and more.  

I would be FREE!... sorry, bad pun.

Chase AMEX Discover

Jan - March:   5% Gas 6% Gro

April - June:    3% Gas 6% Gro

July -   Sept:   5% Gas 5% Gas 6% Gro

Oct -     Dec:   5% Amazon 5% Online 3% Gas 1% Gro

The only question for me is when to re-apply.

*Thanks Themanwhocan for catching that typeo.

[09Lexie]

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@ksantangelo23 wrote:

I'm just not sold on the Sallie Mae card. Being another MasterCard doesnt make it any more desirable either.

I think the hit I would take to my true AAoA, plus another inquriy would not be worth the ~$35 savings I calculated I would get with it on groceries+gas (being their quarterly cap is 250 per category.) Freedom would give me that, and more.  

I would be FREE!... sorry, bad pun.

Chase AMEX Discover

Jan - March:   5% Gas 6% Gro

April - June:    3% Gas 6% Gro

July -   Sept:   5% Gas 5% Gas 6% Gro

Oct -     Dec:   5% Amazon 5% Online 3% Gas 1% Gro

The only question for me is when to re-apply.

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I believe the 10% bonus has or is ending

[Creditaddict]

how long since you were declined for freedom?

[ksantangelo23]

I was 7-10'd back in August of this year, was denied after two recon attempts due to:

- Too few revolving credit accounts and experience.

Or something to that effect, can't remember exactly. This was back when I only had one hard pull, so Im worried about being denied for the same reason, plus now too many inquiries, plus possible auto-denial from re-applying too soon.

[09Lexie]

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@ksantangelo23 wrote:

I was 7-10'd back in August of this year, was denied after two recon attempts due to:

- Too few revolving credit accounts and experience.

Or something to that effect, can't remember exactly. This was back when I only had one hard pull, so Im worried about being denied for the same reason, plus now too many inquiries, plus possible auto-denial from re-applying too soon.

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They would not auto deny based on app more than 30 days old.  

[Creditaddict]

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@09Lexie wrote:

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@ksantangelo23 wrote:

I was 7-10'd back in August of this year, was denied after two recon attempts due to:

- Too few revolving credit accounts and experience.

Or something to that effect, can't remember exactly. This was back when I only had one hard pull, so Im worried about being denied for the same reason, plus now too many inquiries, plus possible auto-denial from re-applying too soon.

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They would not auto deny based on app more than 30 days old.  

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Id apply again... that's over 3 months.

[ksantangelo23]

Ok.

Im going to wait atleast a couple weeks to apply, once all my statement dates cut off next week, plus some time to update my CR with lower balances. Im really in no rush here.

[Themanwhocan]

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@ksantangelo23 wrote:

I'm just not sold on the Sallie Mae card. Being another MasterCard doesnt make it any more desirable either.

I think the hit I would take to my true AAoA, plus another inquriy would not be worth the ~$35 savings I calculated I would get with it on groceries+gas (being their quarterly cap is 250 per category.) Freedom would give me that, and more.  

I would be FREE!... sorry, bad pun.

Chase AMEX Discover

Jan - March:   5% Gas 6% Gro

April - June:    3% Gas 6% Gro

July -   Sept:   5% Gas 5% Gas 6% Gro

Oct -     Dec:   5% Amazon 5% Online 3% Gas 1% Gro

The only question for me is when to re-apply.

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Sallie Mae caps are monthly caps, not quarterly.