Reply
Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
0

Easiest Chase Card to get?

Again, out of curiosity, which Chase product is the most lenient on scores/baddies/util/etc.

 

Thank you as always for an replies!

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Easiest Chase Card to get?


QAMngrGirl wrote:

Again, out of curiosity, which Chase product is the most lenient on scores/baddies/util/etc.

 

Thank you as always for an replies!


Either Slate or Freedom. They are sticklers on current CC history in your name tho, at least 1 year.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Easiest Chase Card to get?

Word of warning, Chase can be sensitive to inquiries and high util. A few here (myself included) wanted the slate card for balance transfers and got a toy limit due to util.

Hope it works out for you! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
0

Re: Easiest Chase Card to get?

Thanks all Smiley Happy

 

Don't know what I may app for in a few months. I have seen some good benefits/rewards for Chase, however, I do not want to open a checking account to "up" my approval chances. Been witness to some less than stellar branch customer service, including helping with fraud resolution on their debit cards Smiley Sad

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Valued Contributor
Posts: 1,607
Registered: ‎09-15-2012
0

Re: Easiest Chase Card to get?

From LS's post: Either Slate or Freedom. They are sticklers on current CC history in your name tho, at least 1 year.

I know we have had this discussion before, but just to clarify I think this is YMMV. I had only 6 months of CC history before getting an instant approval on Freedom with the lowest interest rate. Of course, I had many other installment tradelines reporting, but 1 year of CC is clearly not a rule based on my experience.

In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Easiest Chase Card to get?


SnackTrader wrote:
From LS's post: Either Slate or Freedom. They are sticklers on current CC history in your name tho, at least 1 year.

I know we have had this discussion before, but just to clarify I think this is YMMV. I had only 6 months of CC history before getting an instant approval on Freedom with the lowest interest rate. Of course, I had many other installment tradelines reporting, but 1 year of CC is clearly not a rule based on my experience.

Yes it is YMMV.

 

It's not a rule but a thin file will more than likely result in a denial for insufficient credit history.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 727
Registered: ‎01-13-2013
0

Re: Easiest Chase Card to get?

I am thinking of the Disney Card, where would you put that card? 

 

Slate               easiest

Disney?

Freedom

SPC            hardest?

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Easiest Chase Card to get?

Y'all forgetting chase amazon


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Easiest Chase Card to get?

[ Edited ]
Chase initially declined me for lack of revolving credit last year ( even though my AAOA was over 7 years) don't like installment loans I guess. This week they approved me for Freedom- revolving history 6 mos.

YMMV
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Easiest Chase Card to get?

The Freedom is generally seen as Chase's entry-level card. Given their target audience, I would also assume that the Disney card is also quite easy to get.

 

The Slate seems like a bit of a mixed bag. People get it primarily for a BT, so what kind of CL you get seems to be based on their assessment of how profitable you'll be in that BT. If Chase is concerned that you'll be unable to repay a large BT amount, they may only give you a small CL upon approval.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.