Looks like we are going to have a new member in the Credit Addicts Club. Slide over Cliff, we need to make room.

Definitely slow it down! I read your other post about instant credit responses turning into 30 days. Chase does not want to see applicants with numerous recent inquiries. This will make you appear to be in a desperate situation. I would recommend waiting at least 9 - 12 months before applying for another line of credit before trying again. Have those balances paid down to 20% - 30% of your available credit limit, and don't apply for credit again until you try Chase!

Aw shucks! Sounds like I'm headed for the credit-card Rehab, huh? Nevertheless, waiting 9-12 months is great advice! I think I can manage that. At least, I hope I can. Whenever my husband sees me filling in another application, he'll peek over my shoulder and ask, "now what are you applying for?" LOL I got caught up in the "I got approved" whirlwind and couldn't swim out.

Another great advice you gave is to pay down the balances I currently have. I'll be paying half right after Christmas, and pay the balance down to "0" by mid-January. I'm not sure if I should just let it sit without making any further purchases, or buy something small every month and pay it off monthly? Not sure.

Thanks for the advice!

Definitely slow it down! I read your other post about instant credit responses turning into 30 days. Chase does not want to see applicants with numerous recent inquiries. This will make you appear to be in a desperate situation. I would recommend waiting at least 9 - 12 months before applying for another line of credit before trying again. Have those balances paid down to 20% - 30% of your available credit limit, and don't apply for credit again until you try Chase!

I cannot, for the life of me, get approved for a chase card.

I've tried thrice, now. I can't get a break! LOL Or, it could be that I have too many cards already (5 total). And with all the new applications, I'm sure my FICO has gone below 700. But, I'll keep trying. I'll just wait a few months until I do it.

For any of you that have good credit and are looking for a card I have found through personal experience that Chase Bank is one of the best banks to deal with.