topic Re: What is easiest Chase visa to qualify for? in Credit Cards

What is easiest Chase visa to qualify for?

MountainHiker — Fri, 21 Sep 2012 01:57:35 GMT

Would that be a Amazon visa or something different?

P.S. My sister just got a amazon visa approved today with a 580 score, and she has one unpaid collection on her credit. **bleep**? How is she able to get approved for a premium major credit card and I can't? My score is a 705 FICO, and that is after apping for a credit card(denied) and getting approved for a $30K car lease.I know my unpaid 6.5 year old collection($800 & cell phone company) is hurting me,and that collection was bought by a different collection company which in turn is reporting it on my credit file as being only 1.9 year old. Thankfully it does fall off in march. But how does a 580 score beat out a 705 score? I have one single credit card (Wells Fargo secured visa)on file which will be 1 year old as of next month. Never late and have been paid off in full, and have several student loans in good standing.My LUCKY sister does have a Chase auto loan.Do you think that was the deciding factor? I will say this.My sister can talk a drowning person into drinking a glass of water. She kept at it until finding that one rep who was sympathectic and was willing to extend her a credit card. Little sisters

Re: What is easiest Chase visa to qualify for?

bichonmom — Fri, 21 Sep 2012 02:04:34 GMT

@MountainHiker wrote:
Would that be a Amazon visa or something different?

P.S. My sister just got a amazon visa approved today with a 580 score, and she has one unpaid collection on her credit. **bleep**? How is she able to get approved for a premium major credit card and I can't? My score is a 705 FICO, and that is after apping for a credit card(denied) and getting approved for a $30K car lease.I know my unpaid 6.5 year old collection($800 & cell phone company) is hurting me,and that collection was bought by a different collection company which in turn is reporting it on my credit file as being only 1.9 year old. Thankfully it does fall off in march. But how does a 580 score beat out a 705 score? I have one single credit card (Wells Fargo secured visa)on file which will be 1 year old as of next month. Never late and have been paid off in full, and have several student loans in good standing.My LUCKY sister does have a Chase auto loan.Do you think that was the deciding factor? I will say this.My sister can talk a drowning person into drinking a glass of water. She kept at it until finding that one rep who was sympathectic and was willing to extend her a credit card. Little sisters

That's a good one! Haven't heard that one before. Maybe she should call and say she's you. JK.

You have under 1 year with only 1 CC. Your sister may have a CA, but maybe she has more TLs and/or longer history.

In general, Freedom is one of the easier Chase cards to get. But by no means easy. Chase likes to see >700 scores, and at least 2 TLs reporting for a year or longer.

There must be more differences going on w/your sister's credit. Also, are 580 and 705 FICO or FAKO? Where did you get the scores? Unless they're true FICOs, they don't really give you much information.

Re: What is easiest Chase visa to qualify for?

jamesdwi — Fri, 21 Sep 2012 02:05:23 GMT

what does your UTL look like?

perhaps you should call the backdoor number and reconsideration

Backdoor numbers

Re: What is easiest Chase visa to qualify for?

MountainHiker — Fri, 21 Sep 2012 02:22:15 GMT

@jamesdwi wrote:
what does your UTL look like?

perhaps you should call the backdoor number and reconsideration

Backdoor numbers

My UTL is 2%.Called the back door number twice but after seeing her smiling baby face and the laughter which says....."I got approved and oh well you didn't" I will try and recon again tomorrow.Provided they don't run another inquirie. I see it really is ALL ABOUT which rep you speak to at the recon.

Re: What is easiest Chase visa to qualify for?

MountainHiker — Fri, 21 Sep 2012 02:37:41 GMT

@bichonmom wrote:
@MountainHiker wrote:
Would that be a Amazon visa or something different?

P.S. My sister just got a amazon visa approved today with a 580 score, and she has one unpaid collection on her credit. **bleep**? How is she able to get approved for a premium major credit card and I can't? My score is a 705 FICO, and that is after apping for a credit card(denied) and getting approved for a $30K car lease.I know my unpaid 6.5 year old collection($800 & cell phone company) is hurting me,and that collection was bought by a different collection company which in turn is reporting it on my credit file as being only 1.9 year old. Thankfully it does fall off in march. But how does a 580 score beat out a 705 score? I have one single credit card (Wells Fargo secured visa)on file which will be 1 year old as of next month. Never late and have been paid off in full, and have several student loans in good standing.My LUCKY sister does have a Chase auto loan.Do you think that was the deciding factor? I will say this.My sister can talk a drowning person into drinking a glass of water. She kept at it until finding that one rep who was sympathectic and was willing to extend her a credit card. Little sisters

That's a good one! Haven't heard that one before. Maybe she should call and say she's you. JK.

You have under 1 year with only 1 CC. Your sister may have a CA, but maybe she has more TLs and/or longer history.

In general, Freedom is one of the easier Chase cards to get. But by no means easy. Chase likes to see >700 scores, and at least 2 TLs reporting for a year or longer.

There must be more differences going on w/your sister's credit. Also, are 580 and 705 FICO or FAKO? Where did you get the scores? Unless they're true FICOs, they don't really give you much information.

She has a few cars reporting on her credit history in good standing.That is the main difference.She makes Bill Clinton look like he has difficulty expressing an opinion.She talked her way into this card. The 580 is Fico.She basicly smooth talked her way into this card. Said it before but can't say it enough.I think she and the rep will soon be blood sisters.They talked about everything under the sun.They both hate the weather in florida, talked about men, talk about the importance of this election.Two seconds ago she told that she is ....get this........THE COMMUNICATOR!! Mean while I have to wait till this collection falls off my credit in march.Can't even risk trying to pay it early because something might go wrong and don't want to shoot my self in the foot,again.I feel like a lepper because no one will touch me.Plus I'm a bit credit shy fearing I might waste an inquiry and still not get approved.

Re: What is easiest Chase visa to qualify for?

MountainHiker — Fri, 21 Sep 2012 02:44:34 GMT

@bichonmom wrote:
@MountainHiker wrote:
Would that be a Amazon visa or something different?

P.S. My sister just got a amazon visa approved today with a 580 score, and she has one unpaid collection on her credit. **bleep**? How is she able to get approved for a premium major credit card and I can't? My score is a 705 FICO, and that is after apping for a credit card(denied) and getting approved for a $30K car lease.I know my unpaid 6.5 year old collection($800 & cell phone company) is hurting me,and that collection was bought by a different collection company which in turn is reporting it on my credit file as being only 1.9 year old. Thankfully it does fall off in march. But how does a 580 score beat out a 705 score? I have one single credit card (Wells Fargo secured visa)on file which will be 1 year old as of next month. Never late and have been paid off in full, and have several student loans in good standing.My LUCKY sister does have a Chase auto loan.Do you think that was the deciding factor? I will say this.My sister can talk a drowning person into drinking a glass of water. She kept at it until finding that one rep who was sympathectic and was willing to extend her a credit card. Little sisters

That's a good one! Haven't heard that one before. Maybe she should call and say she's you. JK.

She just said that very thing.She wants to recon my app.I have my pride. I have no credit cards but the level of pride is still intact!

Re: What is easiest Chase visa to qualify for?

CreditScholar — Fri, 21 Sep 2012 02:55:09 GMT

The Freedom is among the easiest to get, and the Disney card would also be up there. I'm guessing the Slate isn't difficult either, but people rarely talk about it. All of Chase's travel cards are much harder.

Re: What is easiest Chase visa to qualify for?

MontegoMack — Fri, 21 Sep 2012 02:57:38 GMT

I wonder if it was a hard pull on recon...

Re: What is easiest Chase visa to qualify for?

MountainHiker — Fri, 21 Sep 2012 02:59:39 GMT

@MontegoMack wrote:
I wonder if it was a hard pull on recon...

she just said it was a soft pull. she even got that to her advantage.

Re: What is easiest Chase visa to qualify for?

TNTransplant — Fri, 21 Sep 2012 03:10:03 GMT

@MountainHiker wrote:
@MontegoMack wrote:
I wonder if it was a hard pull on recon...
she just said it was a soft pull. she even got that to her advantage.

LOL!

Not laughing at you, MH, but you certainly have a way with words. I've read the whole thread and was laughing so hard by the end - the way you've described it has given me quite the visual...

Keep your chin up - when that collection drops off your reports next Spring you could likely get whatever you want, and with good limits, too.

Join us in the garden thread and hold off for a little longer. If you need inspiration and want to know what gardening (until the collection drops off) will do for you, search for tinuviel's thread about getting her new cards - that will inspire you.

Re: What is easiest Chase visa to qualify for?

MountainHiker — Fri, 21 Sep 2012 03:23:23 GMT

@TNTransplant wrote:
@MountainHiker wrote:
@MontegoMack wrote:
I wonder if it was a hard pull on recon...
she just said it was a soft pull. she even got that to her advantage.
LOL!

Not laughing at you, MH, but you certainly have a way with words. I've read the whole thread and was laughing so hard by the end - the way you've described it has given me quite the visual...

Keep your chin up - when that collection drops off your reports next Spring you could likely get whatever you want, and with good limits, too.

Join us in the garden thread and hold off for a little longer. If you need inspiration and want to know what gardening (until the collection drops off) will do for you, search for tinuviel's thread about getting her new cards - that will inspire you.

Trust me! She is getting a even bigger chuckle out of it. Giggling and laughing like a school girl.I'm sensing sibling rivalry here,on her part. I know for a fact I would have gotten the Citi card if not for this collection.Chase told me point blank the one collection is the reason for the denial.Everyone is getting credit cards but we leppers. Thanks for the pep talk I needed it. Ok,where is that self help book on positive thinking.