Chase CC

[SomewhereIn505]

Check the prequal page and see what happens. Chase was pretty finicky with me. I still think I got in with my relationship with Southwest (Rapid Rewards and I had just flew with them). 

[sjt]

I think that the only difference is that some Chase cards have minimum credit lines, so you have to qualify for those minimum credit lines. CSP has a $5K minimum and the CSR has a $10K minimum. So you have to keep that in mind. 

You should check the pre-qual site before applying.

[HeavenOhio]

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@sjt wrote:

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@_NERD wrote:
I’m currently 0/24 under 30k util once the PIF payments on two accounts shows up on my 3B next week. My AAoA is 3 yrs 5 mos, oldest is 5yrs. Is there any minimum criteria for Chase besides the 5/24 best practice?

Thanks, trying not to hijack the OP.

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Utilization should be below 20%, at least one year of AAOA, no bk.

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You can have an AAoA of less than a year, but your oldest card should be at least a year old. On that card, you need to be the primary user rather than an AU.

The other thing I'd add is a period of gardening before applying. Three months is good; six is better.

And of course, you want to be under 5/24. And as mentioned, you want to be cautious about cards that might have higher minimum limits than you'd likely qualify for.

Good catch on no bankruptcy. I tend to forget that one.