new card app.. chase freedom

[nissangtr]

Hello,

I wanted to add a new cc to my profile that i can use for everyday spending. looking for the best time to apply for chase freedom to get the highest CL.

My cards are

Target open for 10yrs old  1k CL - owe 0

amex blue 7yrs old   15k CL - owe 1300

amex prg closed - good stand.

chase slate 8months old - 6k limit owe 4k from BT.

no baddies  - 1 hp last year.

i'm at about 22% util. with 55k income.

should i wait to bring down the chase balance before i apply ? looking for at least 9k CL
Thank you all for the help

[enharu]

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@nissangtr wrote:

Hello,

I wanted to add a new cc to my profile that i can use for everyday spending. looking for the best time to apply for chase freedom to get the highest CL.

My cards are

Target open for 10yrs old  1k CL - owe 0

amex blue 7yrs old   15k CL - owe 1300

amex prg closed - good stand.

chase slate 8months old - 6k limit owe 4k from BT.

no baddies  - 1 hp last year.

i'm at about 22% util. with 55k income.

should i wait to bring down the chase balance before i apply ?
Thank you all for the help

---

IMO you will be approved regardless of whether you apply now or later.

However, I would recommend you apply after you bring down the Chase balance. That way, you will be given a higher CL.

[boomhower]

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@enharu wrote:

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@nissangtr wrote:

Hello,

I wanted to add a new cc to my profile that i can use for everyday spending. looking for the best time to apply for chase freedom to get the highest CL.

My cards are

Target open for 10yrs old  1k CL - owe 0

amex blue 7yrs old   15k CL - owe 1300

amex prg closed - good stand.

chase slate 8months old - 6k limit owe 4k from BT.

no baddies  - 1 hp last year.

i'm at about 22% util. with 55k income.

should i wait to bring down the chase balance before i apply ?
Thank you all for the help

---

IMO you will be approved regardless of whether you apply now or later.

However, I would recommend you apply after you bring down the Chase balance. That way, you will be given a higher CL.

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I agree.  You an instant approval but the lower your UTL the higher your CL will be. 

[nissangtr]

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@enharu wrote:

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@nissangtr wrote:

Hello,

I wanted to add a new cc to my profile that i can use for everyday spending. looking for the best time to apply for chase freedom to get the highest CL.

My cards are

Target open for 10yrs old  1k CL - owe 0

amex blue 7yrs old   15k CL - owe 1300

amex prg closed - good stand.

chase slate 8months old - 6k limit owe 4k from BT.

no baddies  - 1 hp last year.

i'm at about 22% util. with 55k income.

should i wait to bring down the chase balance before i apply ?
Thank you all for the help

---

IMO you will be approved regardless of whether you apply now or later.

However, I would recommend you apply after you bring down the Chase balance. That way, you will be given a higher CL.

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Thanks for the advice.. what was your starting limit on your chase cards and score if known for those cards when you applied. thanks

[enharu]

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@nissangtr wrote:

Thanks for the advice.. what was your starting limit on your chase cards and score if known for those cards when you applied. thanks

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When I applied for my Chase Amazon Visa, i was still in college. Got approved for 2k. I got a pending message and forgot about it. Card came approx 3 weeks later. score was bout 670-690 with >80% utilization on my WF. I didn't know utilization matters then and now that I think of it I am surprised I even got approved. 

Applied for CSP and Freedom March 2013. Scores was 768 Experian FICO (got it from Amex). Initial limits was uh 8-12k for each card. Can't remember exactly because I applied for too many LOL. Asked for CLIs and got 2 auto CLIs and these are my limits now.