i opened the united card in early july and have been eyeing the freedom and sapphire preferred to do the trifecta (i already have a chase checking)...
i always pif, but had been letting balances report and paying after statement cuts...starting this month, i'm paying before the statement cuts so that it always will report zero. i was going to wait until next week to apply, but i figured i'd do it now on oct 31 just to be safe and try to make sure i can get into the old exclusives program...got the 7-10 day message. i was planning on doing the sapphire at the same time, but i guess that's pointless now since i wasn't even instantly approved for the freedom?
what would you guys suggest i do? they pulled TU and EX for the freedom, both scores are in the 720-730 range.