Chase CC

[blazerein]

I never apply to any Chase CC and I’m really curious about their approvals. Are they Inquiry sensitive like Citi? Are they new account sensitive like BoA? Do you need a mid 600 score or higher to get approve? Which card is the easy one to get? I have a Chase auto loan before and paid in full in less than 5 years. I’m still working to get my score up but any information is greatly appreciated.
Thanks

[FinStar]

Some items to take into consideration OP.
Chase will exclude AU accounts as part of the UW criteria. Another thing that can be recommended is lowering your utilization to an ideal level, preferably below 10%. Definitely get those FICO scores higher than 600. Additionally, don't apply for the "easiest" card to get, instead look for a CC that would benefit you in the long run.

Yes, Chase can decline applications based on the number of recent new accounts or inquiries like all other lenders but each individual's outcome will vary.

[blazerein]

Thanks for the info, my Util should be less than 10% in the next month.

[sjt]

Also, Chase has the 5/24 rule for most of their card products. 5/24 rule is no more then 5 accounts opened with in a 24 month period. This includes AU cards.

[_NERD]

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@blazerein wrote:
Thanks for the info, my Util should be less than 10% in the next month.

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Did you hit that goal & apply yet? 

[blazerein]

I’m staying away from Chase right now since I have too many new open accounts. Garden a little and working on some goodwill letters.

[Anonymous]

I just got a Chase approval with just 676-679 FICO range.  I only had 2 new cards in the last year.  My UTI was low. 

Good luck.

[_NERD]

I’m currently 0/24 under 30% 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.

[sjt]

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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.

[_NERD]

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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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Thank you, noted!  Are there Chase cards that I wouldn't be able to get due to not having a Chase card yet?