topic How is Chase with a slim file for a young person? in Credit Card Applications

How is Chase with a slim file for a young person?

Anonymous — Mon, 08 Jun 2015 14:34:10 GMT

Chase is being a nemisis for me especially with all the new news about multipe new lines within 2 years being a decided no. That's for me anyway.

Have a daughter with a very thin file and but a decent score. Discover said no, Barclays pending but will recon if a no since. She has car loan since sept 2014 and one tiny cl of 150 ; waiting for my amex to repor her au status but they are slow slow slow.

So, if Chase doesn't like a lot of new lines in past 2 years now, how are they with slim files?

Re: How is Chase with a slim file for a young person?

Creditaddict — Mon, 08 Jun 2015 15:02:22 GMT

@Anonymous wrote:
Chase is being a nemisis for me especially with all the new news about multipe new lines within 2 years being a decided no. That's for me anyway.

Have a daughter with a very thin file and but a decent score. Discover said no, Barclays pending but will recon if a no since. She has car loan since sept 2014 and one tiny cl of 150 ; waiting for my amex to repor her au status but they are slow slow slow.

So, if Chase doesn't like a lot of new lines in past 2 years now, how are they with slim files?

call barclay now for recon.

i would not apply to chase with thin file until they are pre-qual you for something (daughter)

I would take the capital one in the mean time and amex as soon as the au reports.

Re: How is Chase with a slim file for a young person?

Anonymous — Mon, 08 Jun 2015 15:06:29 GMT

^ my experience was opposite. i got the freedom in november 2011. i got my first credit card in june or july 2009 and that's all i had. i had maybe 1 or 2 $1,000 loans to build credit but that's it. that's a "thin file" if you ask me. my open credit card was only $500 from a credit union and when i applied for the chase freedom at a branch i was instantly approved for $1,500. was only 20 or so

Re: How is Chase with a slim file for a young person?

abubika1 — Mon, 08 Jun 2015 15:11:58 GMT

As always ymmv but chase was my second credit card. I got a Marriott with 5k limit and it was 1 month after being approved for amex gold. They were the only 2 inq I had on EX and besides that I had 16 months of on time payments for auto loan.

Re: How is Chase with a slim file for a young person?

Anonymous — Mon, 08 Jun 2015 19:18:25 GMT

Just a couple of personal examples here, so take it with a grain of salt but: I had about 6 months of history with 2 CC's, all payments on time, UTIL very good.. applied for Freedom and was declined. Called recon and was told no because they want at least a year of history. I have had checking/savings with them for over 10 years. It was a firm no and there was nothing I could do.

Meanwhile, my buddy walked into a branch (with zero credit history) and was offered a Freedom. Opened it on the spot with a $1k limit.

Doesn't seem to be a ton of rhyme or reason.