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Established Contributor
Posts: 651
Registered: ‎08-07-2012
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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
Posts: 2,296
Registered: ‎07-23-2012
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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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Frequent Contributor
Posts: 303
Registered: ‎04-22-2013
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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
Posts: 27,207
Registered: ‎09-13-2012
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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
Posts: 303
Registered: ‎04-22-2013
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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
Posts: 3,360
Registered: ‎10-19-2012
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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. Smiley Happy

Valued Contributor
Posts: 2,066
Registered: ‎06-16-2012
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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. Smiley Happy


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

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
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Registered: ‎12-30-2011
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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. Smiley Happy


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 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Posts: 3,360
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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. Smiley Happy


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. Smiley Happy

Valued Contributor
Posts: 2,066
Registered: ‎06-16-2012
0

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. Smiley Happy


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. Smiley Happy


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.

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
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