Hi there, just have a question about applying for the Chase Freedom or even the Citi Simplicity cards.
My oldest account is my BoA card ($2000), which will be three years old this June, and my youngest is a 5/3 Bank card ($1000) which was opened in October of 2013.
Have a total of 4 inquiries on my account, two in the last six months, one for the 5/3 card, and one for BoA increasing my limit to $2000 from $700 last week.
100% on time payment history over the close to three years I've had credit available to me. No derogative things on any of my files either. Have a student loan for 4400 that I am currently paying off, never late on that one either. Not including that loan, I owe ~600 over both my cards.
Income is between 2200-2500 a month currently. Would I have a good chance to get approved for either of these two cards?
My concerns are the Inq. for the CLI from BoA, and my util was sky high for a few months when I was in-between jobs, but I was never late on my payments even if I could only make the minimum.
I appreciate any input from you guys, ya'll seem to be a lot more knowledgeable than I am