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Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
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Re: How long between chase approvals

Doesn't chase also use an internal score so my ficos don't even matter?
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
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Re: How long between chase approvals


colindidit wrote:
My scores are in my sig. And I have about 6 or 7 inquiries on TU that's who they pull. Have about a year relationship with chase and two cards. Idk my chances

chase uses a variety of models. 

they have their own internal scoring (which is like vantage model), and they also pull fico scores together with credit reports.

 

if you already have banking relationship with Chase in good standing, your chances are a lot higher.

Try the pre-approval tool on Chase credit card website and see if you are pre-approved for freedom. 

 

Your chances of getting a freedom is very high. The only wild card with Chase is whether are they going to give you a real card or a toy limit card.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

Re: How long between chase approvals

I don't have any pre approvals :/ and that's what I'm worried about is a toy limit
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: How long between chase approvals

[ Edited ]

what is your AAoA and age of most recent account? What is your util ratio and number of inquiries on EX?l

Do you usually carry a balance on your Chase Amazon card? 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

Re: How long between chase approvals

Less than two years. 1 percent number on ex is around 10 or 11. And nah I pay both my chases in full. Most recent is the discover and Amex I just opened.
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: How long between chase approvals

has your amex and discover been reported to credit bureaus yet?

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Blogger
HiLine
Posts: 2,880
Registered: ‎10-19-2012
0

Re: How long between chase approvals


colindidit wrote:
I don't have any pre approvals :/ and that's what I'm worried about is a toy limit

Credit limit is overrated.
 

Pre-approval is also overrated.

Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

Re: How long between chase approvals


HiLine wrote:

colindidit wrote:
I don't have any pre approvals :/ and that's what I'm worried about is a toy limit

Credit limit is overrated.
 

Pre-approval is also overrated.


Low rewards card are *way* overrated, in my view.

Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: How long between chase approvals

Curious Enharu, what are you thinking?

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
0

Re: How long between chase approvals

No they haven't. And I'm curious too lol
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...

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