topic Re: Chase United Explorer in Credit Card Approvals

Chase United Explorer

Anonymous — Sun, 21 Nov 2021 14:54:51 GMT

Yesterday I was totally dumbfounded when I found out I was approved for this card. Against credit karma, experian, and credit sesames advice that I had a poor chance and my own knowledge that there was no way on earth Id get approved I went for it. The reason for poor approval is the fact chase has a 5/24 rule along with the amount of inquiries and new accounts I have opened the possibilities were slim. I am in the process of rebuilding my credit and I decided to mass apply build up overall credit limit and over the next two years let the inquiries fall and my accounts age. Anyways when I applied for the United explorer card I forgot unlock my experian credit report which automatically threw my application for review limpo. After 14 days again to my astonishment I was approved.

Re: Chase United Explorer

gdale6 — Sun, 21 Nov 2021 15:13:18 GMT

Sweet, enjoy your UE card & welcome to myFico

Re: Chase United Explorer

M_Smart007 — Sun, 21 Nov 2021 15:33:28 GMT

@Anonymous, Congratulations on your Chase approval!

Any other Data Points you could share?

It could help other members make better informed credit decisions

ETA: Welcome to the forum.

Re: Chase United Explorer

Anonymous — Sun, 21 Nov 2021 15:44:50 GMT

Credit Scores

Fico 8

Experian: 729

Equifax: 687

TransUnion: 707

Total Revolving Credit: $43,000

Utilization: 2%
New Accounts in Last 2 Years: 22

2 Car notes: $78,000

Student Loans: $82,000

Late Payments: 0

Derogatory Accounts: 3 (>5 Years)

Inquiries: 18-40 Yes this is not by means ideal. Now that I have achieved my goal of reaching a decent total revolving credit my goal is to age my accounts.

Hope this helps.

Re: Chase United Explorer

Anonymous — Sun, 21 Nov 2021 15:46:35 GMT

Congratulations on your approval!

Re: Chase United Explorer

Anonymous — Sun, 21 Nov 2021 15:51:29 GMT

The other factor is knowing when your statement cutoff dates are. I always payoff my cards before my statement closes so that my cards show $0 on my credit report.

Re: Chase United Explorer

Rebuild2019 — Sun, 21 Nov 2021 15:59:14 GMT

Congratulations 🎉🎈🎊 on your Chase Approval!!!

Re: Chase United Explorer

JLRDC909 — Sun, 21 Nov 2021 16:06:54 GMT

Congratulations on your approval. I was not approved and was 5/24 with NO recon. They wouldn't entertain the thought. Told me I had to be under 5/24. I do hear of this card being less strict but unfortunately I wasn't one they allowed through the cracks.

Re: Chase United Explorer

CreditAggie — Sun, 21 Nov 2021 16:08:48 GMT

Congratulations on your United Explorer approval!

Re: Chase United Explorer

Lou-natic — Sun, 21 Nov 2021 17:07:08 GMT

Congrats!

Also further proof that Chase is...I don't even know. They apply their standards willy nilly it seems and it makes no sense.

Re: Chase United Explorer

Ilinferno — Sun, 21 Nov 2021 17:09:20 GMT

That's awesome! Congrats on your Explorer and defying the odds!

Re: Chase United Explorer

quikj9 — Sun, 21 Nov 2021 17:49:54 GMT

Congrats on your United Explorer approval!

Were you preapproved or was it a cold app @Anonymous ?

Re: Chase United Explorer

Anonymous — Sun, 21 Nov 2021 17:57:34 GMT

Cold app @quikj9 . But I think what threw there system off is that experian denied access to my credit report because I forgot to unlock it. So it went to manual review and I feel like I got someone who just didn't care that day and approved it.

Re: Chase United Explorer

Trini88 — Sun, 21 Nov 2021 18:19:39 GMT

Congratulations!!!!! 🥳🎉

Re: Chase United Explorer

CreditMagic7 — Sun, 21 Nov 2021 19:30:42 GMT

Congratulations on your Chase UE card approval!

Re: Chase United Explorer

Lou-natic — Sun, 21 Nov 2021 19:33:55 GMT

@Anonymous wrote:
Cold app @quikj9 . But I think what threw there system off is that experian denied access to my credit report because I forgot to unlock it. So it went to manual review and I feel like I got someone who just didn't care that day and approved it.

Somtimes it's better to be lucky than good

Re: Chase United Explorer

TSlop — Mon, 22 Nov 2021 00:23:38 GMT

Congrats on your approval!

Re: Chase United Explorer

Total80sKid — Mon, 22 Nov 2021 05:13:40 GMT

Congrats on your Chase approval 👍🏼

Re: Chase United Explorer

KingRue8500 — Mon, 22 Nov 2021 21:01:03 GMT

Congrats on your Chase United Explorer approval

Re: Chase United Explorer

Sub16610 — Tue, 23 Nov 2021 04:22:19 GMT

Congratulations on your approval!