Reply
Contributor
Posts: 140
Registered: ‎06-17-2008
0

Requirements for Chase Platinum Visa and AMEX Blue?

These are two cards that I've been drooling for, but I've been holding off until I fix some of my baddies, lower util, and get that pay raise. Anyone have any knowledge or experience with these cards, and how hard was it to get approved?
FICO (06/17/08): TU 691 - EQ 642 - EX 638 - Util 64%
FICO (07/23/08): TU 698 - EQ 653 - EX 644 - Util 50%
FICO (02/04/09): TU 694 - EQ 668 - EX 654 - Util 43%
FICO (05/18/09): TU 687 - EQ 675 - EX n/a - Util 39%
FICO (03/09/10): TU 666 - EQ: 691 - EX 644 - Util 54%
IDGuard (2/8/12): TU 690 - EQ: 710 - EX 710 - Util 72%
FICO (03/13/12): EQ: 696 (87% revolving to limits)
Established Contributor
Posts: 640
Registered: ‎03-28-2008
0

Re: Requirements for Chase Platinum Visa and AMEX Blue?

I don't know anything about Chase, but I do have an AmEx Blue. I applied through the AmEx pre-app page (which is still offering me a 'preapproved' Blue to this day, although I already have one) in May and was approved instantly, with a $2000 limit. I already have an AmEx Delta SkyMiles and had just had a CLI to $7400, which might explain the relatively low CL.

AmEx pulls Experian - I couldn't tell you what my exact EX FICO was on that day, but I think it was in the region of 670-680ish. My utilization was pretty low, somewhere under 10%, with only one card reporting a balance. My credit history is very short (one year at the time of applying) and the average age of my accounts even shorter.

I was very pleased with the card when I got it, but can't say I've actually used it that much... it's very pretty and all, but in hindsight I'm not quite sure what to do with it! I'm too busy racking up the SkyMiles with the other card, and would far rather have a cashback card of some sort than either of them. Oh well!

If you go for one or both of them, good luck! :smileyhappy:
EQ: 723 / TU: 760 (August 2009)
Epic Contributor
Posts: 23,284
Registered: ‎10-23-2007
0

Re: Requirements for Chase Platinum Visa and AMEX Blue?

Amex does not like baddies, serious baddies like judgements and bk I think is auto decline always.
chase doesn't like recent baddies (1 year i think)
Fico Scores: EQ- 668 DCU., TU 704 Best Buy, EX 700 Chase (2/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Requirements for Chase Platinum Visa and AMEX Blue?

Blue is has a bit more stringent requirements for approval than the SkyMiles cards a lot of people post about.

I would say general guidelines for a cold Blue approval would be a 700-ish EX score, no baddies in the last 2 years, less than 25 percent utilization, and at least a 2 year revolving credit history with other creditors.

Not set in stone by any means, just kinda "guessing" based on what I've seen denials for.
Here we go again...
Contributor
Posts: 140
Registered: ‎06-17-2008
0

Re: Requirements for Chase Platinum Visa and AMEX Blue?

Thanks for the responses ... definitely informative.

Looks like I have a better chance at getting approved for the Chase card than the AMEX (my utilization isn't going to be anywhere near 25% for over a year). Recently sent out some GW letters, so hopefully, those will get rid of the baddies.

Then again, maybe I can go for the Chase card first, and if I get approved for a decent limit, that could help speed the util % process along.

Either way, I have to be patient. Thanks again!
FICO (06/17/08): TU 691 - EQ 642 - EX 638 - Util 64%
FICO (07/23/08): TU 698 - EQ 653 - EX 644 - Util 50%
FICO (02/04/09): TU 694 - EQ 668 - EX 654 - Util 43%
FICO (05/18/09): TU 687 - EQ 675 - EX n/a - Util 39%
FICO (03/09/10): TU 666 - EQ: 691 - EX 644 - Util 54%
IDGuard (2/8/12): TU 690 - EQ: 710 - EX 710 - Util 72%
FICO (03/13/12): EQ: 696 (87% revolving to limits)
New Member
Posts: 5
Registered: ‎07-17-2008
0

Re: Requirements for Chase Platinum Visa and AMEX Blue?

Does anyone know what score you might need to get approved for the 15 month no finance deal they offer?  I read where it says it depends on credit score.  Mine is 798 and I only want the card if I can get the 15 month zero finance.
 
Thanks
Contributor
Posts: 140
Registered: ‎06-17-2008
0

Re: Requirements for Chase Platinum Visa and AMEX Blue?

At 798, your score is not going to keep you from any deals, if you meet other requirements. That score will only help you, never hinder you.
FICO (06/17/08): TU 691 - EQ 642 - EX 638 - Util 64%
FICO (07/23/08): TU 698 - EQ 653 - EX 644 - Util 50%
FICO (02/04/09): TU 694 - EQ 668 - EX 654 - Util 43%
FICO (05/18/09): TU 687 - EQ 675 - EX n/a - Util 39%
FICO (03/09/10): TU 666 - EQ: 691 - EX 644 - Util 54%
IDGuard (2/8/12): TU 690 - EQ: 710 - EX 710 - Util 72%
FICO (03/13/12): EQ: 696 (87% revolving to limits)
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Requirements for Chase Platinum Visa and AMEX Blue?

....as long as that is truly a FICO score. :smileyhappy:

Non-FICO scores ("FAKO's") have different score ranges and different score formulas, so it's important to know what you're looking at.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Requirements for Chase Platinum Visa and AMEX Blue?



Groundhog1248 wrote:
Does anyone know what score you might need to get approved for the 15 month no finance deal they offer?  I read where it says it depends on credit score.  Mine is 798 and I only want the card if I can get the 15 month zero finance.
 
Thanks





Fantastic score Groundhog! I am envious. I think you are one of the mysterious "well qualified buyers" talked about on the car commercials that get 0 interest and other financing deals that I previously didn't think existed.
Here we go again...

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.