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 .
How recent was your approval?
Starting Score: 720
jefftca925 wrote: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.
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 .
Whats the difference between Visa Signature and Platinum? Which is better?
I applied about a month ago, was denied, and did a recon for the approval. They gave me a $5k limit. My TU was 759, EQ was 742. I have been denied 3 different Chase cards but ended up receiving each one after recon. During the recon they ask about any balances, payments and for some reason they seemed interested in Amex, if you have any of their cards. Good luck to you!
Starting Score: 648
clocktick wrote:I applied about a month ago, was denied, and did a recon for the approval. They gave me a $5k limit. My TU was 759, EQ was 742. I have been denied 3 different Chase cards but ended up receiving each one after recon. During the recon they ask about any balances, payments and for some reason they seemed interested in Amex, if you have any of their cards. Good luck to you!
Clocktick you have a Hawaiian Airline miles card, do you live in Hawaii? If so, which CRA did they pull when you applied for your Chase United Explorer Card?
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