GPC0321
DIS Veteran
- Joined
- Aug 1, 2015
Man, it's been a long time since I've been in this thread!
As of yesterday, I'm officially at 2/24! I can't believe it. I actually lost track because I haven't been sweating the credit card stuff for a while now. But now that I'm officially back under 5/24, I want to conservatively go for a Freedom just to reinstate my Chase Trifecta and get the 15k (or is it 20k now?) SUB so I can transfer to Hyatt for our upcoming night's stay at MCO in December.
I'm a little nervous about applying though. I don't show any offers in "Just For You" and I stupidly tested the waters several weeks ago (when I was still at least 4/24 and maybe 5/24...not sure...and was not outright denied, but got the message saying they'd let me know. Never heard a word. Not even in the mail. So, a few days ago, when I know I was 4/24, I tried my luck with a CIC. I've always been skittish about the business cards because I suck at being dishonest, LOL. I was instantly denied. I've read since that Chase has cracked down on business cards a bit more.
I did go ahead and lower one of my existing cards' credit lines to make room for a new card since Chase had already extended well over 50% of my annual salary to me in credit. I'm below 50% now...so hoping that will help.
Should I give it more time before applying? I indulged in Chase cards with wild abandon back when they were much less strict, and they were always very generous. Never had any run-ins with them, and I've been a cardholder with them for 26 years.
As of yesterday, I'm officially at 2/24! I can't believe it. I actually lost track because I haven't been sweating the credit card stuff for a while now. But now that I'm officially back under 5/24, I want to conservatively go for a Freedom just to reinstate my Chase Trifecta and get the 15k (or is it 20k now?) SUB so I can transfer to Hyatt for our upcoming night's stay at MCO in December.
I'm a little nervous about applying though. I don't show any offers in "Just For You" and I stupidly tested the waters several weeks ago (when I was still at least 4/24 and maybe 5/24...not sure...and was not outright denied, but got the message saying they'd let me know. Never heard a word. Not even in the mail. So, a few days ago, when I know I was 4/24, I tried my luck with a CIC. I've always been skittish about the business cards because I suck at being dishonest, LOL. I was instantly denied. I've read since that Chase has cracked down on business cards a bit more.
I did go ahead and lower one of my existing cards' credit lines to make room for a new card since Chase had already extended well over 50% of my annual salary to me in credit. I'm below 50% now...so hoping that will help.
Should I give it more time before applying? I indulged in Chase cards with wild abandon back when they were much less strict, and they were always very generous. Never had any run-ins with them, and I've been a cardholder with them for 26 years.