I decided to pull the trigger on my last app for the year of 2016... I knew I was likely a borderline approval since my EX Fico8 is 645. I was SO excited to be approved... SL of $1000. I was approved for a Chase Freedom card in May (EX Fico8 636 and TU Fico8 626 - Chase HP'd both) with a $500 SL limit.
With the Chase Freedom card, I was nervous as well (even though I pre-qual'd on their site) because I made mistakes earlier this year with the Comenity SCT (opened 4 or 5 accounts in 02/2016; also opened a line of credit with CareCredit in 03/2016) and I know Chase has their 5/24 rule. Not sure why but somehow I flew under the radar (I've banked with them for 10+ years)...
I never thought this day would come... my ex-husband destroyed my credit by opening 2 CapOne cards in my name, without my knowledge, and left me with one that got CO'd (but I PIF immediately upon discovering it) and the other with $1800 that I will make my final payment on next month! So I FINALLY feel like a grown up in terms of having a Chase card and an AMEX card... of to the garden I go!
I feel like I would not be where I am now had it not been for this community! Thank you to everyone!!