Credit Cards Center Credit cards from our partners
Reply
Contributor
Posts: 106
Registered: ‎11-08-2012
0

applying for a credit card

i was in chase the other day and just to feed my curiosity i asked the cr if applying for a credit card at the bank through him would better my chances of being approved. now i'm not sure if he was just saying this so that I would apply but he said there is a better chance because if I get denied by the computer, he would be able to call in and recommend that I get approved. he said chase apparently has given them more responsibilities in decisions such as these therefore i would have more leeway.

 

any thoughts?

Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12
Valued Contributor
Posts: 2,528
Registered: ‎11-11-2010
0

Re: applying for a credit card

He can recommend, but it is ultimately in the hands of computer and credit analyst. People at the branch have no authority to make a credit card decision.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
Posts: 123
Registered: ‎07-22-2012
0

Re: applying for a credit card


toiletbowl69er wrote:

i was in chase the other day and just to feed my curiosity i asked the cr if applying for a credit card at the bank through him would better my chances of being approved. now i'm not sure if he was just saying this so that I would apply but he said there is a better chance because if I get denied by the computer, he would be able to call in and recommend that I get approved. he said chase apparently has given them more responsibilities in decisions such as these therefore i would have more leeway.

 

any thoughts?


Yes, if a CSR at Chase recommended that you apply for a credit card through him, definitely let him do it for you. His recommendation and desire to do a recon for you will probably get your foot in the door. One of my friends was actually denied for many cards but found a friend's friend who was a CSR at a bank and helped her get the card she wanted, with a high CL too!

Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA

Goal for 2014 ~760+

Trying to stay in the garden...but also trying to get as many apps as possible for now Smiley Wink
Contributor
Posts: 106
Registered: ‎11-08-2012
0

Re: applying for a credit card

yeah, if i'm going to apply anyway, i guess it wouldn't hurt to try it this way.

Capital One Platinum MasterCard | $2,000 | 05/08
Macy's Store Card | $1,500 | 09/09
Chase Freedom Visa | $3,100 | 11/11
Discover It | $750 | 03/12
American Express BCE | $1,000 | 11/12
Chase SP Visa Signature | $8,000 | 12/12
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: applying for a credit card

[ Edited ]

Sometimes applying in person helps.

 

When I had no credit at all. As in, not a single tradeline just HP's. I went to my bank (us bank) to get a credit card. At the time I had two branches near my house. One of them I went to a few times. They said it was impossible for me to get a card, and that I could not even get a secured card. One day I decided to go to the other branch. I explained my situation to the rep who seemed more like a friend than a banker. That banker pushed my app through and got me approved for an unsecured card with no previous credit history.

 

So yes, sometimes applying in person is helpful. But there is a chance that the banker gets a bonus for getting you to app, so the banker you talked to might have just been blowing smoke.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%

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.