Re: Requirements for JP Morgan Select Visa?

saggy1 · ‎07-26-2012

This card can be obtained one of two ways; high income and ok-good credit or modest income and great credit. I fit the second one and got the card...

CreditScholar · ‎01-22-2012

It's honestly not that difficult to obtain, and has similar requirements to the CSP before it was lowered. A FICO in the 700s, no recent or major baddies plus a decent income should be sufficient.

FICOs: EX: 800, EQ: 813, TU: 807

Bank of America Privileges with Travel Rewards Visa Signature (EMV) - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $25,000 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

melbaro · ‎08-03-2012

Have you tried calling the recon number for a decision?

WhiteCollar · ‎04-07-2012

Yes, I called last night and was still the decision is still pending. You cannot recon something that's pending.

jsucool76 · ‎12-11-2011

WhiteCollar wrote:
Yes, I called last night and was still the decision is still pending. You cannot recon something that's pending.

I think melbaro meant to have them review your app right then on the phone as opposed to reconning.

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

Elcid89 · ‎10-04-2012

I frankly didn't see much of a difference between JPM Select and Sapphire Preferred. Relatively the same rates, rewards and AF.

FICO scores: 819 (EQ) 815 (EX) 803 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k

bribro · ‎04-20-2012

Elcid89 wrote:
I frankly didn't see much of a difference between JPM Select and Sapphire Preferred. Relatively the same rates, rewards and AF.

Here's a quick summary I put together contrasting the JPM Select and CSP (it's been copy and pasted in a few threads now):

So the advantages of JPM Select over CSP are:

Hidden TL
EMV chip & signature
Primary rental car CDW
No late or over limit fees
25k points bonus after $100k yearly spend

And the disavantages are:

Weaker rewards (2x airfare, hotel, and car rentals vs. 2x on ALL travel and food with CSP)
No 7% annual points dividend
No sign-up bonus (currently 40k points with CSP)
Plain plastic credit card

Credit Karma Score: 809 (6/8/13)
Credit Sesame Score: 795 (6/8/13)

J.P. Morgan Palladium ($100k x3) | AmEx Blue Sky ($50k) | Citi Dividend World Elite MC w/EMV ($20k) | Chase Sapphire Preferred Visa Signature ($25k) | Chase Ink Bold World Elite MC ($25k Flex) | Chase Freedom Visa Signature ($25k) | Chase Freedom World MC ($25k) | Chase MileagePlus Explorer Visa Signature ($15k) | Lexus Financial Services ($30k)

Captain4Ever · ‎04-24-2012

From my understanding, JPM Select is a hidden tradeline, no reporting at all.

How come it would contribute to your CR ? Also it will hit you will an inquiry as well.

jsucool76 · ‎12-11-2011

Captain4Ever wrote:
From my understanding, JPM Select is a hidden tradeline, no reporting at all.

How come it would contribute to your CR ? Also it will hit you will an inquiry as well.

It doesn't contribute to your CR. Many like it because it allows them to carry a balance without it affecting their util since it doesn't report.

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL