We are closing on our house on Friday. I have been in the garden all year. I have been checking the pre-qualifiers to help me decide on which cards I want to apply for. Chase is the ONLY site I pre-qualify for – Freedom, Slate and Sapphire. I am opted in so it isn’t that. I have a QS1, $ 4.5k limit with Cap One and they don’t even have offers for me! Scores are almost 700 EQ and EX, 756 with TU. AAoA is 2 yrs EQ and TU. 4 yrs with EX. NEW credit is 8 mo. INQ is 5- EQ. 3 – TU and EX. Only had one HP for our mortgage loan. The credit prior to getting a cap one card in November was back in 2005. That account closed in 2011 due to lack of usage. Only baddie was a medical collection from 2010 for $ 150 on EQ and EX. I have never had a late payment. I plan on apping anyway but am concerned that if I can’t even pre-qualify, I will have to recon or deal with toy limits.
Which banks like people with new credit? Am I better off waiting a couple more months til our mortgage reports or should I do it before they see that huge debt sitting there?