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Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: Easiest Chase card to get?


bmd0224 wrote:

Chase pulled EQ only for me in NC.



Thank you for that.Very reassuring! Btw, I think North Carolina is a great state! Considering a move to either Raleigh or the Asheville area.Love those down home values and the food!!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Easiest Chase card to get?

kind of late now but they pulled ex only when i apped for chase freedom last month. got approved for 500 :/ 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
CREDITSURFER
Posts: 303
Registered: ‎04-22-2013

Re: Easiest Chase card to get?

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

 

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.



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FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Moderator
09Lexie
Posts: 24,378
Registered: ‎09-13-2012

Re: Easiest Chase card to get?

Welcome to the forum!

Chase usually requires 6-12 mos of revolving history. I say usually because YMMV but I think 2 mos is too short for Chase.

You might want to start a new thread to ask for suggestions other than this threads topic.
Frequent Contributor
CREDITSURFER
Posts: 303
Registered: ‎04-22-2013

Re: Easiest Chase card to get?

thanks for the quick reply!



Mouse over for CL
FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Blogger
HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: Easiest Chase card to get?


CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

 

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.


Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase. :smileyhappy:

Valued Contributor
dodgerslv
Posts: 1,675
Registered: ‎06-16-2012

Re: Easiest Chase card to get?


HiLine wrote:

CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

 

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.


Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase. :smileyhappy:


wow...really? didnt know that at all? im assuming they see it as you are rebuilding or new to credit.



biggest limits: BofA Privilege (33K)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Moderator
Revelate
Posts: 8,310
Registered: ‎12-30-2011

Re: Easiest Chase card to get?


dodgerslv wrote:

HiLine wrote:

CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

 

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.


Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase. :smileyhappy:


wow...really? didnt know that at all? im assuming they see it as you are rebuilding or new to credit.


I was approved for a Freedom with three secured cards on my credit report.  

 

I don't think this is the case honestly, though I agree that 2 months is too short of time unless you have a good chunk of increasing change in a Chase depository account and have had that for a non-trivial amount of time.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Blogger
HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: Easiest Chase card to get?


dodgerslv wrote:

HiLine wrote:

CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

 

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.


Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase. :smileyhappy:


wow...really? didnt know that at all? im assuming they see it as you are rebuilding or new to credit.


Let me be more specific. When I applied for Chase Freedom, the Chase credit analyst said the reason for denial was that my only card was a secured card. This exchange left a deep impression in me - why not? They rejected my application, and worse, they looked down upon the card I had proudly been owning and using. 

I really hope what the Chase person said to me did not reflect Chase's policy, but to be on the safe side, I would suggest that you obtain a non-secured card before applying for a Chase card. Or having multiple secured cards may help you like it did Revelate. :smileyhappy:

Valued Contributor
dodgerslv
Posts: 1,675
Registered: ‎06-16-2012

Re: Easiest Chase card to get?


HiLine wrote:

dodgerslv wrote:

HiLine wrote:

CREDITSURFER wrote:

ive had a BoA partially secured card for 2 months, to early to apply for chase freedom??? myfico 733, EQ 679, TU 655, EX 650.

 

or any reccomendations for what i should do next. i have an auto loan ive had 100% on time payments for 1.5 years also.


Chase looks down upon secured credit cards. I would get a non-secured card from another creditor before trying out your luck with Chase. :smileyhappy:


wow...really? didnt know that at all? im assuming they see it as you are rebuilding or new to credit.


Let me be more specific. When I applied for Chase Freedom, the Chase credit analyst said the reason for denial was that my only card was a secured card. This exchange left a deep impression in me - why not? They rejected my application, and worse, they looked down upon the card I had proudly been owning and using. 

I really hope what the Chase person said to me did not reflect Chase's policy, but to be on the safe side, I would suggest that you obtain a non-secured card before applying for a Chase card. Or having multiple secured cards may help you like it did Revelate. :smileyhappy:


Well eventually i want to get in with Chase (got denied back in Aug.2012 and denied on 1st recon attempt). Would like to try around sep/oct. of this year but afraid i may still get denied. I am going to take my chances and aim high (CSP), dont know what my chances will be come the time but i will be prepared to recon this time and take no for an answer...LOL.



biggest limits: BofA Privilege (33K)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).






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