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@Anonymous wrote:I had also opened 7 new TL in the past 2 months when chase pulled my ex report for my approval.
details:
belk opened in november
citi forward opened in november
discover opened in october
fidelity amex opened in october
walmart opened in november
cap1 opened in october
jcp opened in november
freedom opened in december
all these accounts were reported on my ex report when chase pulled for my freedom in dec
Indeed, YMMV -- or anything can happen. At the same time, we should ask what is typical and if we can find a good situation that would give a reasonable certainty if one does not want to waste inq's. I like the 2 years of history and clean CR. Of course, if you don't care about inq's you can app every month until it works. (I think someone posted this plan with AmEx at some point) -- not my style, definitely.
What was your credit score when you got all those cards in 2 months?
I only had $300 Orchard card (for about a year) and a Walmart Discover card for $800 for 4 months and applied for the Chase Freedom AND my Amex last August at the same time and was approved for the Chase Freedom for $4500 and Amex for $10k.
I had no baddies (the last one had just dropped off days prior) at the time and my score jumped up over 100 points when that happened (to over 800).
I was approved instantly.
So, just saying YMMV since I didn't have a card for 2 years in good standing when I applied.
Good Luck.
@johnnie198x wrote:
@Carlile92 wrote:
My reports have no negative info just a lot of inquiries and not much account history but good history for what is thereI agree with the other poster that you should have 2 years of history before applying. Plus, those inquiries should go before you apply.
This is an old thread.
Minimum current (pretty certain) guidelines from 6/12 onward roughly: 1 year of revolving history, 640ish FICO - identical to the Discover IT which it directly competes against from a product perspective. Chase banking relationship can help anecdotally.
It is now Chase's entry level card from a product positioning perspective, used to be harder to obtain.
@johnnie198x wrote:
@Carlile92 wrote:
My reports have no negative info just a lot of inquiries and not much account history but good history for what is thereI agree with the other poster that you should have 2 years of history before applying. Plus, those inquiries should go before you apply.
I got no years and got approved YMMV
Got no history and got approved, although tiny CL, but a good start.
@rredstick9 wrote:What was your credit score when you got all those cards in 2 months?
lol that person posted over 2 years ago so might not respond.
I got approved yesterday after the App had been pending review for 3 days. my transunion score was 690 at the beggining of this month according to discover, Quizzle had me at 707. I app'd for Paypal Xtras, Walmart, requested CLI With BOA before apping for the chase freedom. And after taking their time I was approved for 2k!
I got the typical wait till 30 days response when i applied and i figure it will be another rejection.... I have a 717 Fico Score Based off TU i believe which i got from my Discover card statement. I currently have 4 cards (1 is a store card) Discover it card: $1k limit ( May 2013), Amazon store card: 700 Limit ( August 2013) , American Express Blue cash everyday card: 1k Limit (November 2013) and my brand spanking new Amazon visa card: $500 limit (Feburary 2014 Today ). I also been Banking with chase for around 5-7 years now and i have no baddies and only recently started to carry a balance ( Christmas lol ) which will be around $450 on my Discover it card...
Not true. I've had friends with zero history get approved. I had less than a year of history and got approved. Rep was wrong