Yzr23 wrote:I understand that I need to allow time to pass in order to establish trust between Chase and myself. With that understanding, how long should I wait to apply for the Sapphire Preferred?
If you're off their blacklist then you're off their blacklist. It's not about trust but what your credit profile qualifies for. We can't tell you that X time would get you a CSP while Y time would not. If you qualify for a CSP you can apply now. If you don't then you'd have to apply when your profile and income qualify. We don't know the specifics of their underwriting criteria.
What's the CL on your Freedom? Have you received a letter with score and a list of reasons? Those are some of the tools you should use to give you an idea of how Chase is assessing you. Scores, if they're FICO 8's seem a bit low to me but it's never just about scores. That said, you can refer to the Credit Pulls Database (Google) if desired.
Yzr23 wrote:I would also like to get an American Express at some point to take advantage of the opportunity to link my corporate card to my personal card and accrue "free" points. From surveying AMEX products they do not appear to provide the level of rewards as combining Freedom and Sapphire Preferred, however it does not make sense not to take advantage of points accrued through expenses placed on my company card. Thoughts?
With UR you have separate UR accounts for each card and have to transfer. With MR you have one MR account that accumulates all MR points. However, I'm not totally sure how that works with corporate and personal. You'll want to verify that before you apply for an MR AmEx.
Yzr23 wrote:Also, I would like input regarding which product to pursue first. Should I apply for an AMEX product or Sapphire Preferred first?
There are a lot of subjective considerations at play and you can't poll to answer that question. Apply for the one more important to your first. Don't apply for an AmEx until you confirm that you can pool MR points with both corporate and personal cards.
Yzr23 wrote:and a parking ticket I was unaware of being sent to collections.
Get this removed -- not just paid -- before you do anything. Stay on top of things and do whatever it take to avoid dergogs. They tend to have a significant impact and can hold you back as long as they are on your reports.