Established Member
Posts: 25
Registered: ‎06-18-2009

Re: Minimum FICO for prime cards?

I found 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.
Posts: 9
Registered: ‎01-12-2009

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
Senior Contributor
Posts: 4,243
Registered: ‎05-01-2008

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: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+