CarefulBuilder14 wrote:With such a short total credit history and AAoA
Unless I missed it, how short is "such a short"?
CarefulBuilder14 wrote:am I right in thinking that even one more hard pull could quite possibly upset Chase or Discover?
Seems unlikely but the effect of an HP depends on one's credit. Creditors can certainly take AA for subsequent pulls but Chase and Discover don't seem to be such creditors. If a single pull is the straw that breaks the camel's back then you probably have other issues with your credit that need to be addressed.
CarefulBuilder14 wrote:Is it just the anecdotes I've seen or do lenders pull Experian a lot more than TransUnion? Is there any reason for this?
I don't recall why but Experian does seem to be popular with creditors.
CarefulBuilder14 wrote:Do you suggest using the charge PRG as a stepping stone towards the credit BCE/BCP?
Plenty of others seem to. I don't. I don't see the point in applying for any card as a stepping stone if there's no need/want for it. Granted, my credit is probably different from yours but I went straight for the BCP. No forum user can accurately tell you your odds for approval on any card.