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Hey everyone, my average account age is 6.7 months and my credit history has only been established around 15-16 months. I have a $6750 line of credit, with technically 6 lines of credit. Kohl's Card, US Bank Student Visa, US Bank Cash +, Paypal Online Credit, and a Chase Freedom Unlimited. My utilization is less than 4%. My girlfriend and I are going on a trip to Italy in August of this year where the plane ticket will cost are $1600, we are staying for free with her brother, but food for two weeks will still cost around $700, and between groceries when I get back this will put me over the $4000 limit in 3 months. I want to apply for the Chase Saphire Preferred primarily for the Travel Bonus of $625 after $4000 is spent. I would not normally be able to hit this without the trip, I know if I am most likely denied I can call and appeal it with their rejection line... I am going to wait until I have a card with them for 6 months where they can see I have used it responsibly before applying. Does anyone have any general advice other than being friendly on the phone and explaining the circumstance in why I would like the card before my trip?
5 inquiries sounds like I have a chance, I'd really like the extra points for Chase Saphire Preferred, but I understand I may not be able to. My FICO is 753, 746, and 735.
If you get denied because of 5/24 (five new accounts), then recon won't be able to override that decision.
I'm only counting four cards, not counting PayPal:
What am I missing?
If I'm not mistaken, the PayPal account doesn't show up on credit reports. OP, can you confirm that?
I'd say that even if you're at 5/24, if you can get pre-approval, it might be worth gambling the inquiry or two simply because it'd be the right card at the right time.
It does show up under TransUnion but only TransUnion.
Do you remember what bureau or bureaus pulled you for the Freedom Unlimited? They're likely to do the same thing with a CSP application.
They said they pull from all 3 credit bureau's, this hasn't shown up yet... I might call them and double check with another representative. But, that is a good idea. I won't be applying for this card for 6 months to establish the freedom unlimited with them during this time.. I will check when it comes time to see again. Thank you.
@Anonymous wrote:I won't be applying for this card for 6 months to establish the freedom unlimited with them during this time..
Delta, in at least 3 different threads now members have replied to your post telling you that you're > 5/24 and that until you are < 5/24 you'll get denied for the CSP if you apply. It seems that you've literally ignored that very sound advice in every thread, as you keep posting as if 5/24 was never mentioned in any of them. Can I ask why you keep ignoring any posts that mention 5/24?