need help

[carlosjgg]

 I am new to credit, i have a cap one secure card since December 2013 that was recently cli to 800 this card is 300 secure and 500 unsecured, i got a 37000 auto loan back in April and back in may a got a amex everyday with a 5000 cl the balance on my cap one is 350 and my amex is 394 pif my amex every month, my score is around 675 my income is 65k, I only need 2 credit card but want to get rid of my cap one and try to get the csp  i want to get my amex 3x cli before i hit the trigger on the csp, what are the chances of getting approve for this card?

[Skye12329]

We would need a litte more information such as:

Average Age of Accounts?

Baddies?

Have you tried the pre-qual website for chase?

[carlosjgg]

no baddies, no late payments, aaa is only 4 moths, i tried the pre-qua but nothing

[Skye12329]

I would suggest waiting for you AAOA to be around 6-12 mos. before applying. Otherwise i think you would be good to go.

[carlosjgg]

would i have a better chance with the united explorer or both have the same requirements for approval?

[Skye12329]

Not completely sure, i do know though that chase likes to see that an AAOA is at least 6 mos - 1 yr. thats why. Its possible to be approved for their cards being below that mark but generally its 6 mos. minimum. If you try applying and its declined then recon.

[carlosjgg]

thanks i think i will wait for 2 moths until my aaoa is 6 moths for a better chance at it.

[jamesdwi]

If you want to take a chance I would apply for chase freedom, a 5k CL on amex should be a great influence with no baddies on your report. 

after you get the freedom card, I would cancel the CapOne, no reason to have a secured card with two major prime lenders. 

If you want more credit wait till january and apply for  another AMEX card, with 1 year of backdating goodness. 

[B335is]

I would wait until your Cap1 card is 12 months old to go for anything with Chase, unless you have bank accts with them.  They tend to be more willing to approve people with at least 12 months of history.