@dhon55 wrote:I would be very tempted to apply and let you all know my results(!)... but I also just realized that in addition to my limited history and recent inquiries/accounts, my Wells Fargo card is also at about 56% util.
It was paid off, but of course the statement had just ended the day after my big purchase. So it appears to the creditors that I haven't paid it off, right? (Since the balance reported, even though I paid it off before the due date)... so I'll probably have to wait until the February statement comes with a $0 balance.
I would wait for that $0 balance to report as that would probably send up a red flag. So in the mean time we must sit and wait...
@CreditWorld2013 wrote:
@jake619 wrote:
@Revelate wrote:Freedom is the easiest card these days to obtain from Chase.
Easier than Slate?
I would think the criteria goes
1) Chase Slate (common for small initial limits)
2) Chase Amazon or Freedom
3) Chase Freedom or Amazon
I think the Freedom card is probably harder than the Amazon card but some get denied/approved on both so I think it just depends on each case.
I think that's outdated, pre-June 2012 if you look at the approval threads from that timeframe forward at least for minimum FICO.
1) Freedom 640
2) Amazon/Slate 660ish
3) CSP 680+
About all the cards have the standard Chase minimum underwriting requirement of 1 year revolving history (with some exceptions, long-term account holders and possibly students), my own recon with Chase with the Freedom was straight-forward and easy, all I really did was point out the last year of payment history and that I had a checking account with them, and the rep came back something like 30 seconds later and told me I'd been approved. Unless there was a hard wall hit for student underwriting, I'm pretty certain I could sell the short-history with Chase's current recon policy which I don't know if we've ever seen before or will see again honestly.
Anyone who's read this forum a non-trivial amount knows my own credit report is anything but pretty 
. Much as Open123 pontificated almost a year ago, even though the signup bonuses aren't the same, it's still a good time to be seeking credit.
The Determinator™, every credit card company's worst nightmare.
Anyway, OP - try to get that Util down to 1-9% for the next statement cut. I don't think $0 is necessary, just close to it.
The slate is harder to get the whole Idea behind the card is for chase to take on debt thus more risk
NFCU FAN CLUB FAN#1
Haha! "The Determinator!..." Can't quote because I am on my phone.
Definitely pay down the balance. Chase was barking also at the 28% UTIL that I had. I told them I pay in full every month and that is the new balance. CSR said, well we don't know that, so at this time, we can only give you $1,000. :-|
Definitely pay down the balance. Chase was barking also at the 28% UTIL that I had. I told them I pay in full every month and that is the new balance. CSR said, well we don't know that, so at this time, we can only give you $1,000. :-|
@MovingForward_2012 wrote:
Haha! "The Determinator!..." Can't quote because I am on my phone.
Definitely pay down the balance. Chase was barking also at the 28% UTIL that I had. I told them I pay in full every month and that is the new balance. CSR said, well we don't know that, so at this time, we can only give you $1,000. :-|
Yup, Chase likes to bark at UTIL.. When I got the Freedom, I told them I want to take advantage of 0% transfer, and they gave me CLI. 
@dhon55 wrote:Thanks for the feedback, all. I don't consider myself a risk taker, but have gotten a bit more "risky" in recent apping.
Also, the mailer I received from them, I don't think it's a pre-qualified offer or anything, though they must've screened me somehow, but it does have an invitation code to apply, but I don't think it's anything legit--particularly with my recently added accounts and inquiries. Edit: Creditworld, I checked out the pre-qualifier link, but got the message:
"We are unable to locate any special credit card offers for you at this time. "
Sidenote:
Freedom is easier than the Amazon Chase card? I would've thought the opposite, though I have no real knowledge of Chase. I do shop on Amazon a lot, but it seems that Fredom has better overall rewards... I just hate the minimum amounts for redemption.
dhon55...it's good to know that now Chase will let you use your UR points for amazon purchases 1 to 1 with no miminim!! Freedom would be great to use for the 5x rotating categories and applied to your amazon purchases since you do shop a lot with them!
I just wanted to update everyone... now that all my accounts have reported a $0 balance, I took the plunge and applied for the Chase Amazon Visa. I decided I use Amazon far more than any other store really, so it outweighed the Freedom's perks for me, for now anyway.
But to my utter shock, I was instantly approved for $1.5k !
Thanks for the info here!
Oh yay! Congrats!!! I was just researching your thread for my own 1st plunge with Chase 
Starting Score: 585