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Frequent Contributor
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+


Mega Contributor
Posts: 15,453
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.

 




EQ FICO 548 3/3/16
Valued Contributor
Posts: 2,802
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! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
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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: 1,615
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) $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: 15,453
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.

 




EQ FICO 548 3/3/16
Established Contributor
Posts: 727
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?

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
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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)
Goal Score: 750

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Posts: 27,207
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
Posts: 2,489
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.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

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