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Registered: ‎05-18-2007
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Chase United Explorere Miles Card

How hard is it to get the Chase United Explorer Card?  Anyone know what Fico score is needed for this card? 


Starting Score: 720
Current Score: 725 EQ 746 TU as of 6/24/2012
Goal Score: 750


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Registered: ‎03-05-2012
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Re: Chase United Explorere Miles Card

It looks like some have been approved with high 600s but most are 720+. What's your credit profile like?
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Re: Chase United Explorere Miles Card

My FICO score is 704 for EQ.  I'm at around 36% for overrall UTL with 3 cards reporting balances and 5 cards with 0 balance.  Out of the 3 cards with balances, one is at 93% UTL, the other 2 below 50% UTL.

 

Should I pay down the 93% UTL or pay off the 50% UTL cards?


Starting Score: 720
Current Score: 725 EQ 746 TU as of 6/24/2012
Goal Score: 750


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Re: Chase United Explorere Miles Card

I have no negatives on my credit report.  I have never missed a single payment.  I have total 8 cards, oldest card is 11 years and newest is 4 years old.


Starting Score: 720
Current Score: 725 EQ 746 TU as of 6/24/2012
Goal Score: 750


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Registered: ‎08-14-2008
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Re: Chase United Explorere Miles Card


jcx808 wrote:

My FICO score is 704 for EQ.  I'm at around 36% for overrall UTL with 3 cards reporting balances and 5 cards with 0 balance.  Out of the 3 cards with balances, one is at 93% UTL, the other 2 below 50% UTL.

 

Should I pay down the 93% UTL or pay off the 50% UTL cards?


I'd pay down those cards unless you have a GOOD explanation for why they are so high.  Chase can be touchy with high UTIL and excessive INQ if your FICO is borderline.  You will also need to qualify for at least a 5k line to get the card.

CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 24.5k, Discover 11.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, Capital One QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k, DC 30k, VirgAm 15k, Sams MC 15k
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Posts: 53
Registered: ‎05-18-2007
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Re: Chase United Explorere Miles Card

I should pay down all my cards or should I focus on the one with 93% UTL?  Obiviously I would like to pay off all of them, but due to budget restrictions, I cannot.  Should I aim for all cards below 50% UTL since I currently at 36% for my overrall UTL.


Starting Score: 720
Current Score: 725 EQ 746 TU as of 6/24/2012
Goal Score: 750


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Registered: ‎11-01-2011
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Re: Chase United Explorere Miles Card

[ Edited ]

i applied 2x when i applied i had under 5% util 2 AMEX Charge and i AMEX revolver with a 20k limit, 2 cap 1 with 2k limits.

 

i alos had a chase motage.

 

They stated that my late payments from 2007 was the reason.

 

i wanst really happy with chase so i apped for citi approved for a their word elite card and moved my accounts over.

 

 

 my scored were around 700 at the time



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Re: Chase United Explorere Miles Card


jefftca925 wrote:

jcx808 wrote:

My FICO score is 704 for EQ.  I'm at around 36% for overrall UTL with 3 cards reporting balances and 5 cards with 0 balance.  Out of the 3 cards with balances, one is at 93% UTL, the other 2 below 50% UTL.

 

Should I pay down the 93% UTL or pay off the 50% UTL cards?


I'd pay down those cards unless you have a GOOD explanation for why they are so high.  Chase can be touchy with high UTIL and excessive INQ if your FICO is borderline.  You will also need to qualify for at least a 5k line to get the card.



I was approved (on recon) with scores in the mid 600s, probably 6 or 7 inqs, old student loan lates (but there are a lot of them and the original reason for my denial), and 6 accounts opened in the last year.  They only gave me a CL of $1K .  



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14
Established Member
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Registered: ‎05-12-2012
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Re: Chase United Explorere Miles Card

About a year ago, I got United with  5k and credit score about 700 and a salary around 100k.

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Re: Chase United Explorere Miles Card


snowangel wrote:

jefftca925 wrote:

jcx808 wrote:

My FICO score is 704 for EQ.  I'm at around 36% for overrall UTL with 3 cards reporting balances and 5 cards with 0 balance.  Out of the 3 cards with balances, one is at 93% UTL, the other 2 below 50% UTL.

 

Should I pay down the 93% UTL or pay off the 50% UTL cards?


I'd pay down those cards unless you have a GOOD explanation for why they are so high.  Chase can be touchy with high UTIL and excessive INQ if your FICO is borderline.  You will also need to qualify for at least a 5k line to get the card.



I was approved (on recon) with scores in the mid 600s, probably 6 or 7 inqs, old student loan lates (but there are a lot of them and the original reason for my denial), and 6 accounts opened in the last year.  They only gave me a CL of $1K .  


Chase tries to approve people for the Visa Signature version most of the time. They usually will approve others for the Platinum version if the app is recon'd. Chase loves handing out those Siggy cards as they make a higher rate on the transaction.
CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 24.5k, Discover 11.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, Capital One QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k, DC 30k, VirgAm 15k, Sams MC 15k
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