- Centurion Member
- Posts: 1075
- Joined: Thu Aug 04, 2011 7:07 pm
- Location: Phoenix
Congrats on your approval.
I am not sure what your chances are with the Chase Freedom. Chase generally likes to see longer credit profiles; however, Your Milage May Vary (YMMV) and you could be approved. The thing is though, they have been sending out pre-approvals to people left and right. So you may wait for ones of those to show up, unless you find that you want the $300 bonus that they are offering right now. Chase generally pulls Experian.
I believe your best bet at this point would be a Citibank Forward, Simplicity or Platinum Select card.
You mention the student loans. Are they all subsidized? If unsubsidized, are you paying the interest every month? If you have unsubsidized studen loans I recommend paying the monthly interest the following reason: if you don't pay the interest, your loan balance will exceed the original loan balance, so for instance, on your bureau it could show a $5,133 balance on a $5,000 loan.