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@Jungook wrote:Does anyone know if Chase looks into the amount of money you have in their checking accounts when they approve you for, let's say a Chase Freedom?
If you have $10K or more, a banker can put in a "Special Consideration" with your application.
@gdale6 wrote:Bank account balances usually do not enter into the decision for credit with online, mailed or phone apps. It may be considered if you are sitting in front of your financial adviser applying at a Chase branch.
yes ... my personal experience definitely is in line with that.
@eagle2013 wrote:
@DigitalArk wrote:
@gdale6 wrote:Bank account balances usually do not enter into the decision for credit with online, mailed or phone apps. It may be considered if you are sitting in front of your financial adviser applying at a Chase branch.
When I applied for Amex BCE, the rep asked me about my depository accounts balances. I was not used to it.
Did it happen to anyone besides me?
Yes, when you apply they ask for the total value of all your checking, retirement, investments and other savings accounts. This, in part, determines your ability to pay. The OP wanted to know if a prior relationship (chase bank account) will be taken into consideration in credit decisions with Chase.
I believe this is standard practice with Amex. They ask about the total value of your assets including checking, savings, other investment accounts, etc.