topic Re: Chase in Credit Card Applications

Chase

Anonymous — Tue, 12 May 2015 09:15:34 GMT

I for some reason am always denied the freedom card from Chase. I have my banking with them for years now and would to also have a credit line with them. My question is.

Is the Amazon Visa through them easier to be approved for? It would be a beneficial card since i do shop at amazon a lot so it wouldn't be a wasted card, and it would get my foot in the door with chase finally.

Re: Chase

Anonymous — Tue, 12 May 2015 10:17:22 GMT

What is your credit profile like?

And NO. I do not suggest the Amazon Visa as there are better alternatives to it from other issuers.

Also the U/W is all over the place on that particular card.

I suggest one of the travel cards like SW.

Re: Chase

Anonymous — Tue, 12 May 2015 10:32:30 GMT

Thanks for the heads up. BTW what is U/W?

Re: Chase

Anonymous — Tue, 12 May 2015 11:54:58 GMT

@Mattc88 wrote:
Thanks for the heads up. BTW what is U/W?

Under Writing

Re: Chase

Anonymous — Tue, 12 May 2015 12:01:59 GMT

Ah, thank you.

Re: Chase

Anonymous — Tue, 12 May 2015 12:17:59 GMT

@Mattc88 wrote:
I for some reason am always denied the freedom card from Chase. I have my banking with them for years now and would to also have a credit line with them. My question is.

Is the Amazon Visa through them easier to be approved for? It would be a beneficial card since i do shop at amazon a lot so it wouldn't be a wasted card, and it would get my foot in the door with chase finally.

@Mattc88,

As stated, how does your entire credit profile look like? What are your scores? Do you have any baddies on there?

Re: Chase

Anonymous — Tue, 12 May 2015 12:22:41 GMT

688 TU fico. 710 and 706 on credit karma. No baddies. Only about 4 inq. 100% perfect payment history. Despite everuthing seeming to be in good order chase repeatedly denies me. i really would like to get in with them. What would be the easiest approved card you think?

Re: Chase

Anonymous — Tue, 12 May 2015 12:25:39 GMT

@Mattc88 wrote:
688 TU fico. 710 and 706 on credit karma. No baddies. Only about 4 inq. 100% perfect payment history. Despite everuthing seeming to be in good order chase repeatedly denies me. i really would like to get in with them. What would be the easiest approved card you think?

What is the reason for denial and how long ago did you apply for the Freedom card? Also, when deciding to apply don't use /base decisions on CK scores...

Re: Chase

Anonymous — Tue, 12 May 2015 12:32:06 GMT

I applied 3 times about every 6 months. Last one i think was in Feb. One of the denials said low credit score. I don't think 688 though is too low for the freedom card. It's not like it's a top tier card.

Re: Chase

Kirmie2010 — Tue, 12 May 2015 12:37:45 GMT

I honestly think the amazon visa is harder to get than the Freedom.

I tried for the visa when i was getting discover/chase/barcly and i wasnt able to get it but got the other prime company cards.

*edit*
something you didnt list and is a huge factor, whats your overall utilization and max utilization on a single card?

Your inqs are fine, collections to a point are fine but utilization is a big one.

Re: Chase

Anonymous — Tue, 12 May 2015 12:40:23 GMT

About 16% utilization.

Re: Chase

SecretAzure — Tue, 12 May 2015 12:40:35 GMT

@Anonymous wrote:
@Mattc88 wrote:
688 TU fico. 710 and 706 on credit karma. No baddies. Only about 4 inq. 100% perfect payment history. Despite everuthing seeming to be in good order chase repeatedly denies me. i really would like to get in with them. What would be the easiest approved card you think?
What is the reason for denial and how long ago did you apply for the Freedom card? Also, when deciding to apply don't use /base decisions on CK scores...

Agreed. Use CK as a guide but not to make the credit decisions. I think Slate is probably where you should start if you want to get in with Chase. Also, we do need the denial reason if you have it.

Re: Chase

Anonymous — Tue, 12 May 2015 12:55:33 GMT

@Mattc88 wrote:
About 16% utilization.

16% utilization is not bad. Did you try to recon the Freedom at all? When was the last time you applied? Is it over 30 days? The Chase Amazon is harder to get than the freedom card.

The the last application is within the 30 days then lets try to recon it. Did you give recon a short?

Re: Chase

Anonymous — Tue, 12 May 2015 12:55:56 GMT

Slate is easier to obtain then the freedom?

Re: Chase

Anonymous — Tue, 12 May 2015 12:58:57 GMT

@Mattc88 wrote:
Slate is easier to obtain then the freedom?

Yes.. It is. But I asked in an earlier post, did you call when you got denied to be reconsidered?

Re: Chase

Anonymous — Tue, 12 May 2015 13:02:56 GMT

No, i admittedly never did a recon. Btw yes-its-me is OT but i sent you a PM

Re: Chase

Anonymous — Tue, 12 May 2015 13:08:19 GMT

@Mattc88 wrote:
No, i admittedly never did a recon. Btw yes-its-me is OT but i sent you a PM

I responded back to your PM. Did you see it? When was the last freedom app?

Re: Chase

Anonymous — Tue, 12 May 2015 13:11:10 GMT

I'm pretty sure it was in February

Re: Chase

Anonymous — Tue, 12 May 2015 13:16:17 GMT

@Mattc88 wrote:
I'm pretty sure it was in February

Do you know what your real FICOs are for EX and EQ? Chase although uses credit scores they use their internal score also. You TU score should be able to get you either Freedom or Amazon.

Find out what you real EX and EQ is and then we can work on getting you approved for a chase card. What about income? Don't tell us but any decent income?

Re: Chase

Anonymous — Tue, 12 May 2015 13:22:19 GMT

40k. a year.Anyway of finding out my real scores besides paying 24.95 for them?