New to the points game, got a CSP in March and I've already earned 20k points in addition to the signing bonus. Over the weekend I applied for the Chase Ink Plus with the 70k bonus points and I’m waiting to hear if I am approved. Today I got my credit score from my Discover It card and it was 746 but I noticed it said I had a delinquency. I pulled my report an sure enough Transunion shows a late payment on 04/14.

This was an issue with an automatic payment a few months ago on my Rooms to Go card (gemoney) and when I called to straighten it out I was assured that if I paid the balance in full they would waive the fees and it would not be reported to my credit. I called again today and was told it could take 20 days for them to review. I’m willing to give them the 20 days and if they don’t remove it I will dispute.

My problem is I was planning on applying for the US Airways card and the Marriot Rewards card tonight. I chose US Airways because there is no spending requirement and there is a possibility that they will merge the points with AA. I chose Marriott because they are offering an extra 20k compared to their normal bonus. I figure I can’t apply for much more right now and still be able to meet the spending requirements. Maybe the Freedom but I was holding out to see if they come up with a better offer.

Now I’m wondering if I should even bother applying since there is a ding on my credit. It’s the only late payment on there but I don’t want to apply and get declined on cards either. I don’t want to lose the chance for the extra 20k points either. Do you think I should apply still?