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Frequent Contributor
QAMngrGirl
Posts: 463
Registered: ‎11-28-2012
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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+


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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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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!
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EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Epcot
Posts: 2,790
Registered: ‎10-10-2012
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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! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
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QAMngrGirl
Posts: 463
Registered: ‎11-28-2012
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Re: Easiest Chase Card to get?

Thanks all :smileyhappy:

 

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 :smileysad:

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


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SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
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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) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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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
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zerobacan
Posts: 726
Registered: ‎01-13-2013
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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?

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Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
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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)
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09Lexie
Posts: 26,016
Registered: ‎09-13-2012
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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
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
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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

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