u/CauseNearby414

I got the Chase Sapphire Preferred 10/2024, then the Chase Freedom Unlimited 06/2025. Opened a private loan of $10,000 on 12/2025.

I just applied for an apple card, just to see, and was denied for the following:

• Your TransUnion credit report shows you went overlimit on a bankcard trade too recently
• Your TransUnion credit report shows that you were recently highly utilized on a revolving account
• Your TransUnion credit report shows that you've recently opened too many credit card trade(s)

This is true... I did put $6,000 worth of a motorcycle on my Chase Freedom Unlimited as it was 0% interest and it maxed out my card, although my total utilization was only about 15%, and its currently at 7%.

The two chase cards are the only new credit cards in the past two years other than an AMEX card on 7/2024.

My question is, will Chase look at me the same way that Apple did and deny my application for the Chase FLEX ultimately ruining my Chase Trifecta and wasting a hard inquiry? And how long should I wait if it is not worth applying at this moment? Thanks.

I have been riding my Ninja 500 for a few months, and I think I'm good enough to get my endorsement. I decided not to take the MSF course, mostly because of my schedule and not wanting to do two days of learning.

Does anyone have an experience with the PennDOT Learning Center's course? I am curious what it consists of and what I should touch on before heading to my test. Thanks.