Aprroved for Discover IT, Too Soon to Apply for Chase Freedom?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Aprroved for Discover IT, Too Soon to Apply for Chase Freedom?

Postby Piaffe3 » Fri Mar 28, 2014 3:00 pm

I was just approved today for a Discover It Card for $6,900. I would like to apply for a Chase Freedom card as well. My question is should I go ahead and do that now or wait for a few months? Would I have a decent shot now or is it better to not apply for a different card so soon?

My Transuion score is 768, Equifax is 740, and Experian is for some annoying reason sitting at 698. **On a side note I won a dispute (about 4 months ago) with experian where they incorrectly showed I had an account in collection instead of never in collection, paid in full** They still haven't raised my score. I have no negatives on my credit report. Just a high utilization rate which is the reason why I would like to get another card with no balance to help this utlization rate while I pay off my credit union card which has 9K in debt on it.

Thanks all!

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Postby MemberSince99 » Fri Mar 28, 2014 6:50 pm

I would try to lower your utilization for best chances. You might get it anyway but Chase doesn't like high utilization so if you want the best odds I'd address that first.

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Postby daniel2304 » Fri Mar 28, 2014 8:28 pm

Since you're already took the hit, I think you should try the Chase Freedom also. Doesn't cost anything!
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.

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Postby hockeyplayr » Fri Mar 28, 2014 8:37 pm

For what its worth, I was approved for a chase freedom about an hour after the discover it. Discover gave me 4k, chase $700.
Credit Scores: Equifax - 736 (October Fico) | Experian 726 (October Fico) | TU - 758 (October Fico)

Credit Lines: Diners Club 20k | Citi DC 9.1k | SDFCU 5k | Penfed 7k | Amex BCE - 10.5k | Chase Marriot - 5.2k | CSP - 6.5k |Discover IT - 9k | Sallie Mae 3.8k | Citi TYP - 3.5k | BOA 123 - 4.9k | Total Rewards 3.25k|

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