Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 25
Registered: ‎06-18-2009
0

Re: Minimum FICO for prime cards?

I found creditboards.com far more informative than the other two. IMO. You type in the name of the cc,your state and it tells you what score person had if app/declioned.what cra was pulled and also there is a comment section where the applicant tells reason why declined.
Member
Posts: 9
Registered: ‎01-12-2009
0

Re: Minimum FICO for prime cards?

[ Edited ]

just giving my experience recently with Chase so it might help....I applied for a Chase card and was denied, this is coming from a backline credit rep....they want to see a balance on no more than 5 cards with a utl under 25% on each. My score is only 630 and I do have 2 baddies that I discussed with him and he said they would not be an issue. Seems to me score is the last thing on the list these guys care about right now, they want to see you not having too much debt so you don't get into trouble.

 

Just wanted to add....I do have a ton (like 30) inquries on my report from app spree to begin rebuilding (yes I know so don't say anything lol) and because of said rebuilding my credit history is just now going to hit 2 years. The call I made was prompted by the info I received on the denial "too many recent requests for credit" 

Message Edited by Valentine137 on 07-05-2009 12:14 PM
Highlighted
Senior Contributor
Posts: 4,301
Registered: ‎05-01-2008
0

Re: Minimum FICO for prime cards?

I just (7/20/09) got my Chase BP Visa...2100 limit, EQ pulled, 665 FICO &  approx 60% util at the time. (now it's 45!!)

 

Not sure if it helps, but I've also had my mortgage with them for 2 years.



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.