05-06-2013 06:44 PM
Can you become an AU on someones card? I'm not sure about the PRG but I actually wrote a letter to the EO of Chase and outlined my situation and told them where I'm at and where I want to go with Chase. I had no prior relationship with the company befre I apped for the Freedom but I made it clear that Chase is where i want to be and I plan on opening all of my accounts with them. I also gave a coherent reason why. For me it was because I was moving overseas and I wanted cards with no foreign transaction fees aas well as I'm a vet so I qualify for their free checking. Apparently it worked because I thought I had no chance to be aproved for both of those cards and I think i might be approved for the priority club card as well (i'm currently under review).
Any suggestions for a guy like me to get approved for PRG or CSP?
4 new accounts in the last 6 months
AAoA 5 months
Age of credit : 10 months
05-06-2013 11:48 PM
Well I did an elongated App spree over a month. When I first found this forum I could barely get approved for a store card and now over the last month and a half I've basically completed my wallet. I've been approved for a:
NFCU (credit union and card)
Chase Sapphire Preferred
I also have a Chase priority club pending. I'll find out in a few days. I did all of this with average Fico scores thanks to the information and wisdom in this forum. I had to do a lot of reconing and fighting for credit limits, but It was worth it. I have almost 40K of new credit. Thanks for everything guys. I'll answer any questions marginal credit candidates have about how I did it. I wouldn't have stood much of a chance getting these cards (Thin credit file, average scores, a baddie, poor utilization) if not for this forum, and I just want to pay it forward.
That's very good!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.