Hello,
I currently am looking to refi my Jeep with my current lender Chase. I'm also looking to appy for the Discover More card, I keep getting pre-approved letters and the expiration date is 3/31 to sign up for the promotional offer. I have an overall utilization of 10%, however I have a $477 bal on a 600 cl. I paid it a few weeks ago but I'm waiting for Orchard to update my credit report before applying for another card or my refi. I think Orchard reports on the last business day of the month for me.
Below is my cc portfolio, no lates at all on my cr's.
Orchard Bank $600 CL - $0 Bal (just waiting for it to report)
Orchard Bank $500 CL - $300 Bal
Kohls $1000 CL - $195 Bal
Jared $7600 CL - $0 Bal
Psecu $10,000 CL - $1300 Bal
Fico's
EX - 736 (provided from Psecu) -- 6 inqs
EQ - 757 - 4 inqs
TU - 681 (one 4 year old pub record) - 0 inqs
Should I wait until my report is updated and then apply for the Discover card, then try to refi my Jeep or vice versa? I believe Chase and Discover both pull EQ in PA. I also read on other threads that Discover pulls all 3 when you apply. My public record is not paid and I'm waiting for it too drop off my report. I'm considering freezing TU but not sure if that's a good idea. I applied for the Chase Freedom card a few months ago and was denied because too many new accounts. They initially pulled EX, called for a recon and they pulled TU and denied again because of the public record. I also checked Amex's pre-approved website and it said I was pre-approved for their Gold and Green card but recommended Gold. Should I apply for that instead of the Discover card?
Any suggestions or advice is appreciated.
Thanks
