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Question By
ns1190

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665 exp credit score. Need a chase freedom?!
Due to making some really poor decisions while i was in school and unemployed i messed up my credit pretty bad. Since then i have worked hard to bring it up and paid off all collections. Have a mortgage 1.5 years old, an auto loan 1 year old, Cap one card (1500) 1yr, Wells Fargo credit card (1100) 2yrs. never had a late payment in 4 years. Individual income 45k, household 92K. I need to finance an engagement ring purchase (around 5k). I would love a chase /citi but not sure if i would qualify and don't want to take an unnecessary hit in case of decline. Ideally i would love a 0% for 12 months so i can pay it off before interest. I have 4 inquiries in the last three years. In dire need of some advice!

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Top Contributor
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Try two cards instead of one...

Helpful to 6 out of 6 people

with your income being 92k with all thiose responsiblities your better off going with cards instead of one and if you do them with the same 7 day window it willl only count as one hit on your report  and if you have 4 inquires in the last 3 years....only the ones you had in the past 24 months (2 years) are on your report the rest dropped off

Reply by
ns1190

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Thank you so much for your advice. I thought the 7 day window was applicable only for mortgages and vehicle loans. Also is it 7 business days or calendar days? Thank you again 

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