@BlueHusky wrote:1. 70k-ish
2. My credit score was horrible during college because I used my cards for everything and paid the minimum - my util. was about 85-90%. So I have fairly bad cards. I got all of my cards around that time - so I have low limits. The ONLY card I have applied for in the last 2 years is the AMEX BCE which I just got last week with a $12,500 limit.
1. Discover CL $1750 - 3 years old
2. Citi MTVu (which is being switch to a Forward according to a letter I recieved): $2800 (plus low interest at only 11%) -4 years old
3. Barclay Card with iTunes $2200 - 3 years old
4. Neiman Marcus $400 (Formerly $8000 but I moved away from Neiman and they cut the CL...) - 3 years old
5. Walmart Card $800 - 2 years old
6. Macy's $700 - 3 years old
7. Chase Slate $2000 - 3 years old
8. Bank of America Platinum Plus Visa $3000 - 3 years old
4. Student loans only
5. What's a baddy? There's nothing negative on my account if that's what you mean - no bankrupticies, late payments, collections, etc.
I would say Chase would deny you simply on you do not have a TL at or over $5K with a decent history. I would garden your accounts for at least a year then go for it.
So I need to use my new AMEX ($12,500) for a while first? Why would AMEX BCE be approved that high when my previous highest was $3,000 but not Chase Sapphire?
@BlueHusky wrote:So I need to use my new AMEX ($12,500) for a while first? Why would AMEX BCE be approved that high when my previous highest was $3,000 but not Chase Sapphire?
CSP is a $5K minimum CL. They are going to want to see if you are capable of handling that limit or higher for a period of time. AMEX has its quirks and you got a nice look from them!! CHase will not be as nice with how new that card is!!