Chase Saphire Preferred - 5 hard inquiries in the last 24

[Anonymous]

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. 

[Anonymous]

If you get denied because of 5/24 (five new accounts), then recon won't be able to override that decision.

[dragontears]

First, it is NOT 5 inquiries in the last 24 months; it is 5 revolving accounts opened in the last 24 months.
If I read your post right, you have 5 cards all opened in the last 24 months.
5/24 is almost impossible to recon
I would say that your odds are slim to none unless you can get a prequal

[HeavenOhio]

I'm only counting four cards, not counting PayPal:

• Kohl's Card
• US Bank Student Visa
• US Bank Cash+
• Chase FU.

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.

[Anonymous]

It does show up under TransUnion but only TransUnion. 

[HeavenOhio]

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.

[Anonymous]

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]

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@Anonymous wrote:

 I won't be applying for this card for 6 months to establish the freedom unlimited with them during this time..

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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?