- Green Member
- Posts: 10
- Joined: Wed Feb 06, 2013 7:52 pm
- Location: AA
Just signed up today.
I'm thinking of applying for a sapphire preferred some time later down this year. It matches my spending behavior very well and the perks are very good for me.
Currently I have a CK of 723 and they indicated that I have a 'fair' chance with sapphire preferred, and a 'good' chance for sapphire.
I currently make $100,000 / yr. I've used the freedom for 4 months so far with a $1k limit, paid off everything and never missed a payment. I spend near the $1k limit/mo every month, sometimes more, but I pay it off weekly, and my available credit goes back up to 1000 a few days after. Sadly, this 1000 limit is not sufficient for my spending and I end up using my check card instead for rental cars and plane tickets. I travel a lot both for work and personal time. In fact, every weekend I fly somewhere.
Sadly the freedom is my first and only credit card in the US since I've been out of the country most of my life (though I'm an American citizen). Should I bother applying for the preferred or sapphire? I don't want a hard pull for nothing.
Any advice is very much appreciated!