topic Re: Chances of getting approved? in Credit Cards

Chances of getting approved?

dize — Sun, 14 Sep 2014 07:25:34 GMT

There are 2 cards I'm looking at right now:

Chase Freedom

Amex gold delta

Right now my experian is at 653 according to this site, my equifax is 680 according to this site, and my transunion is at 706 according to discover. I currently have some innaccuracies on my experian report that are not on the other 2 reports. my AAOA is 2 years with the oldest account being 5 years, I have 12 inquiries, and util is at 23% as of today.

Would I have any chance of being approved?

If it comes to it, I think I can maybe get a recon on the freedom if need be, but I know it is harder with Amex, as they will only recon if there are errors on your report. Because I do have the errors, if I had to recon would I be able to ask them to pull one of the other reports that dont have these inaccuracies?

I was hoping to get the Amex delta in my hands by october 23rd if possible, as I will be going on vacation for a week and I am flying delta. Getting the free bag would really come in handy.

Thanks

Re: Chances of getting approved?

Skye12329 — Sun, 14 Sep 2014 07:38:51 GMT

Have you tried pre-qual websites? I know for chase i believe they pull EX if im not mistaken. Amex is EQ, or maybe i got those 2 backwards? Do you have any baddies? Because personally score doesnt mean a whole lot, its the report that backs it up.

Re: Chances of getting approved?

dize — Sun, 14 Sep 2014 07:56:24 GMT

As far as accurate baddies, I have 2 30 day lates, 1 on my capital one card from like 2010, and one from my citi card in the beginning of 2013. I have one settled best buy credit card from 2012. Didn't know much about credit at the time, and thought the card was 6 months no payments not 6 months no interest like my bill me later was...

Heres where the problems are, though. I have 7 120 day lates from student loans. These were rehabbed and were all supposed to be removed, as they were on my other reports. for whatever reason they are still showing up. Also, I have something from my college, a collection account that shows paid in full, but I don't know what this account is. I have challenged it, but have heard nothing back yet.

Re: Chances of getting approved?

Skye12329 — Sun, 14 Sep 2014 07:59:55 GMT

Alright have you tried the pre-qual websites? If one comes up on Chase its usually a very good chance of approval. Not sure on AMEX, I think chase might need a recon if tried. Not completely sure on how AMEX is with baddies. Hopefully someone else can chime in

Re: Chances of getting approved?

dize — Sun, 14 Sep 2014 08:06:42 GMT

and both chase and amex pull ex for me. that seems to be why I've had trouble getting approvals for them. Granted, my score was 30 pounsd lower the last time I tried applying.

And prequals give me nothing.

Re: Chances of getting approved?

dize — Tue, 16 Sep 2014 04:01:48 GMT

bump. I think I might hold off on the chase for the time being, but was really hoping to get some advice on the delta. do I have any chance?

Re: Chances of getting approved?

Skye12329 — Tue, 16 Sep 2014 05:29:28 GMT

Not sure on amex but chiming in what i do know. I just know the delta card is their easiset

Re: Chances of getting approved?

joedtx — Tue, 16 Sep 2014 06:10:47 GMT

@Skye12329 wrote:
Not sure on amex but chiming in what i do know. I just know the delta card is their easiset

@I took a quick look @ creditpulls specifically for the Delta Gold and the lowest approved cs was 641 on Experian and that was on 6-14, hope that helps but the user didn't give any background on his finances either.

Re: Chances of getting approved?

dize — Tue, 16 Sep 2014 06:29:56 GMT

I've seen a few recents with similar scores getting approved. I'll give it a shot I guess and see what the outcome is. If I don't get it, ill wait till my ex hits 700 to try for chase or amex again.

Re: Chances of getting approved?

dize — Tue, 16 Sep 2014 06:32:53 GMT

It was a negative. Oh well. Once I get the letter in the mail I will see the reason. If it is because of any of the inaccurate accounts, I will try to get a recon, otherwise I will wait a while.

Re: Chances of getting approved?

elim — Tue, 16 Sep 2014 08:12:56 GMT

did AMEX give you an offer on their prequal site first? i'm apping next month and would like the data. sorry for the D.

Re: Chances of getting approved?

dize — Tue, 16 Sep 2014 09:44:24 GMT

No offer was given, no.

Re: Chances of getting approved?

elim — Tue, 16 Sep 2014 12:15:23 GMT

@dize wrote:
No offer was given, no.

credit's a pain right? it's a long journey. just keep steady.

thanks for the quick response and GL next time!

Re: Chances of getting approved?

Anonymous — Tue, 16 Sep 2014 12:51:46 GMT

I finding it easier to get approved for store cards. I having issues getting approved for credit cards with lines of credit. Anyone have any advice for me???

Re: Chances of getting approved?

dize — Tue, 16 Sep 2014 23:10:39 GMT

As an update, I checked credit pulls database and saw a lot of people getting approved for the freedom with my scores, so I decided to just go ahead and give it a shot. I got approved! only a $500 limit, but I'm going to try to recon that when I get my card. It's fine with me though, cuz I heard people get much better lines on their second card, so I'll wait like 6 months and go for the CSP. Finally chase shows me some love! I've only been banking with them since I was 16, back when they were wamu...

Re: Chances of getting approved?

joedtx — Wed, 17 Sep 2014 01:46:27 GMT

@dize wrote:
As an update, I checked credit pulls database and saw a lot of people getting approved for the freedom with my scores, so I decided to just go ahead and give it a shot. I got approved! only a $500 limit, but I'm going to try to recon that when I get my card. It's fine with me though, cuz I heard people get much better lines on their second card, so I'll wait like 6 months and go for the CSP. Finally chase shows me some love! I've only been banking with them since I was 16, back when they were wamu...

I'm sorry about the Delta denial but am glad to hear about your new found 'Freedom' congrats on getting a card with a Prime lender i'm sure this will get Amex's attention.

Re: Chances of getting approved?

Anonymous — Wed, 17 Sep 2014 08:36:01 GMT

i applied 5 times for AMEX and was always Denied, i also applied for a Chase Freedom 3 times and finally was approved, so i think Chase Freedom is much easier than any AMEX Card....

Re: Chances of getting approved?

Anonymous — Wed, 17 Sep 2014 13:12:53 GMT

@dize wrote:
As an update, I checked credit pulls database and saw a lot of people getting approved for the freedom with my scores, so I decided to just go ahead and give it a shot. I got approved! only a $500 limit, but I'm going to try to recon that when I get my card. It's fine with me though, cuz I heard people get much better lines on their second card, so I'll wait like 6 months and go for the CSP. Finally chase shows me some love! I've only been banking with them since I was 16, back when they were wamu...

Congrats on the Freedom approval. I just got approved for the Freedom with the same $500 limit.

I'm not so worried about the CL. I already have a CSP with $5k limit. I just wanted it for the categorical bonuses.

Re: Chances of getting approved?

Anonymous — Tue, 18 Nov 2014 23:00:56 GMT

I was pre-approved for a $500 Freedom card Nov'13, so i took it. At the time, all that I had was a secured Bank of America card which was nearing the 2 year mark with 100% OK pmts and ~$5-6k in monthly charges ($2k limit). I began using the Chase Freedom as my every day card, charging ~$5k-$6k a month on a $500 limit (i made payments every time they posted in order to be able to use the card for all of my purchases). My limit was quickly increased to $1k and recently to $2k. I applied for the CSP Oct'14 and was approved with a $21k limit. I would wait to near the 1 year mark prior to applying for the CSP. Having a Chase relationship may also help... My credit challenge has always been a handful of old student loans which defaulted and have had $0 balance for 2 years now; nonetheless, they provided challenges along the way until recently.