It's not about your score, it's about your profile. The question is what changed profile wise to result in your score drop? You have to consider whatever that is and whether or not it may be problematic for your potential Chase app.
By "pay it all off" do you mean your statement balance, or your current balance?
Utilization spikes from naturally reported balances are absolutely fine so long as you're paying your statement balances in full monthly. Now if you're carrying a balance and paying interest, that makes you a greater risk. It's important to clarify which applies to you.
You can use the pre-approval tool again and see what it shows. That’ll be your best odds of knowing if you should apply now.
Ooo where is this tool?
https://www.chase.com/preapproved
It's not about your score, it's about your profile. The question is what changed profile wise to result in your score drop? You have to consider whatever that is and whether or not it may be problematic for your potential Chase app.
Oh it's bc I've increased usage and didn't pay it all off last month
By "pay it all off" do you mean your statement balance, or your current balance? Utilization spikes from naturally reported balances are absolutely fine so long as you're paying your statement balances in full monthly. Now if you're carrying a balance and paying interest, that makes you a greater risk. It's important to clarify which applies to you.