topic Re: Chase 7-10 days in-branch... how are my chances? in Credit Card Applications

Chase 7-10 days in-branch... how are my chances? [UPDATE: APPROVED]

Anonymous — Sun, 05 Feb 2017 17:55:28 GMT

I app'd in-branch today for Chase FU. Had a prequal with $300 bonus for $500 spend. Banker told me 7-10 days. I called the automated line just now (~4 hours later) and was told 30 days. How are my chances?

I wasn't expecting an instant response by any means as I have one measly card now.

Thanks!

Re: Chase 7-10 days in-branch... how are my chances?

Anonymous — Sat, 04 Feb 2017 00:46:08 GMT

30 days on the status line is usually an approval.

Re: Chase 7-10 days in-branch... how are my chances?

kidink1911 — Sun, 05 Feb 2017 01:16:58 GMT

7-10 days is a definite denial

30 days means an approval! Good luck!

CSP- Cap One QS - Barclay JetBlue MC - BOA Travel Rewards- Synchrony Walmart MC - Barclay Apple Rewards- BP Gas- CF- Credit One- Milestone

Re: Chase 7-10 days in-branch... how are my chances?

Anonymous — Sun, 05 Feb 2017 02:19:40 GMT

@kidink1911 wrote:
7-10 days is a definite denial

30 days means an approval! Good luck!

CSP- Cap One QS - Barclay JetBlue MC - BOA Travel Rewards- Synchrony Walmart MC - Barclay Apple Rewards- BP Gas- CF- Credit One- Milestone

I beg to differ. The seven to ten business days sometimes ends up in an approval so I wouldn't say "Definate".

OP, if that your current score in your siggy, then you stand a high chance of getting approved. Update the thread with results once you hear back.

Re: Chase 7-10 days in-branch... how are my chances?

Anonymous — Sun, 05 Feb 2017 03:43:10 GMT

Holy hell how'd u get a $300 bonus for $500 spend?!?!

Re: Chase 7-10 days in-branch... how are my chances?

Anonymous — Sun, 05 Feb 2017 03:45:55 GMT

Chase Freedom and Freedom Unlimited are the easiest Chase cards to qualify for I would say about a 640+ would guarantee approval. I'm on my phone so can't see scores but 30 days is good, if it changes to 14 that's great.

But in all seriousness how'd u get that promo? I want to app for it but I've only seen a $150 for $500 spend and that's too low to add another TL for me.

Re: Chase 7-10 days in-branch... how are my chances?

Anonymous — Sun, 05 Feb 2017 11:37:00 GMT

@Anonymous wrote:
OP, if that your current score in your siggy, then you stand a high chance of getting approved. Update the thread with results once you hear back.

Yup the TU is current as of 1/19 and utilization on Disco has only gone down since (2% => 1%). I got my Ex this morning and Chase pulled it... FICO 8 of 742. (Which is especially a relief seeing as it's my first score since Ex got fixed per http://ficoforums.myfico.com/t5/General-Credit-Topics/Experian-sees-double/m-p/4857308; last month this time was 719.) Still 30 day message but I don't expect any updates until Monday or Tuesday at the earliest.

And don't worry I'll update my thread I always love reading everybody else's stories on here and it kills me when OP doesn't post the ending haha

Re: Chase 7-10 days in-branch... how are my chances?

Anonymous — Sun, 05 Feb 2017 11:37:02 GMT

@Anonymous wrote:
Holy hell how'd u get a $300 bonus for $500 spend?!?!

@Anonymous wrote:
But in all seriousness how'd u get that promo? I want to app for it but I've only seen a $150 for $500 spend and that's too low to add another TL for me.

I wish I knew I'm sure a lot of people would like to know! Here's my activity with Chase:

Denied Chase card June 2016
Opened Chase checking July 2016

...and that's it. I have used the checking account plenty though with direct deposit, although I've only used the debit card a few times ever.

Even the banker (who did seem to know his stuff on credit cards; he even knew what I meant when I mentioned the 5/24 rule) was surprised that little ol' me got it. He said he rarely sees it and it's mostly given to people who have a lot more deposits than I do...

Re: Chase 7-10 days in-branch... how are my chances?

Anonymous — Sun, 05 Feb 2017 11:40:25 GMT

Has anybody else under 21 had Chase verify paystubs, etc.? I didn't lie or anything so I'm ok with that but just wondering if I should call the verification line this week or just ride it out.

Heck, my direct deposits go there they should just look at that lol

Re: Chase 7-10 days in-branch... how are my chances?

AverageJoesCredit — Sun, 05 Feb 2017 12:58:29 GMT

Good luck Ghop. That is an amazing offer .Enjoy it when you get it

Re: Chase 7-10 days in-branch... how are my chances? [UPDATE: APPROVED]

Anonymous — Sun, 05 Feb 2017 19:29:22 GMT

Just logged in to Chase online and it's there

It does list a $500 SL -- does anybody know if this is temporary or is it exactly what I got? Robot lady says the same on the approval number. I have yet to get any email.

Can I call and get my card expedited? I'm just so happy to be in with Chase

EDIT: It's 23.49%, 0% for 15 months.

EDIT 2: Approval forum thread here: http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Chase-FU-APPROVED-with-300-bonus/td-p/4857590