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Chase CCs

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Frequent Contributor

Chase CCs

Hey again!

So, now that I got my fix with a couple of nice CLIs, I'm going to keep myself in the garden until February (even though Discover keeps sending me snail mail with a really tempting rate!).  With that being said, my next goal is a Chase CC.  I'm thinking the Chase Freedom Unlimited card with the across the board 3% cash back.  

As I prepare and wait for my eligibility from the 5/24, I'm wondering if there are ways to increase my chances with them or get on their radar.  They recently opened a Chase branch in NC.  Would it help if I open up a Chase banking account?

 

Any thoughts or advice is appreciated!  Thank you!

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000) - Sony/Sync ($2400)

Closed - Capital One Secured - It's not in my wallet. :-)

Feb 2020 EQ 792 - - Feb 2020 TU 781 - - Feb 2020 EX 809

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 1 of 26
25 REPLIES 25
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Valued Contributor

Re: Chase CCs

As I understand it, a Chase checking or savings account will not improve your chances of a CC with Chase.

















Your FICO credit scores are not just numbers, it’s a skill.

Message 2 of 26
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Super Contributor

Re: Chase CCs


@Medic981 wrote:

As I understand it, a Chase checking or savings account will not improve your chances of a CC with Chase.


This. From all accounts I have heard, Chase really doesn't care about banking relationship. I wouldn't deposit money with them in the hopes of it helping a CC approval.

Message 3 of 26
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Valued Contributor

Re: Chase CCs

Open checking account with them and they actually do care about banking relationships and it can cause borderline applications to get pushed through with recon. Not saying it works that way 24/7 but I’ve seen it a lot.

Sign up for chase credit journey and check for prequalified offers as they are solid offers
July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 4 of 26
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Frequent Contributor

Re: Chase CCs

Thanks everyone!  Just trying to make sure that I get in when I go for it.  I don't take rejection well.  Smiley Very Happy


@CS1974 wrote:
Open checking account with them and they actually do care about banking relationships and it can cause borderline applications to get pushed through with recon. Not saying it works that way 24/7 but I’ve seen it a lot.

Sign up for chase credit journey and check for prequalified offers as they are solid offers

@CS1974 - I already have the Chase Credit Journey and just logged in.  You mentioned prequalified offers.  I see the offers tab and went to it.  It lists their services with Credit Cards as the first tab.  I'm guessing that means there are no offers?  Could it be because of the 5/24? They are reporting me with a 770 TU.  

Also, could it be because I'm not opted in?  I don't ever recall opting out for offers for anyone, other than Credit One who was sending me up to two a day.  (I even started collecting the fake cards they were sending.)  If for some reason I'm not opted in, is there a way to get back in?


BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000) - Sony/Sync ($2400)

Closed - Capital One Secured - It's not in my wallet. :-)

Feb 2020 EQ 792 - - Feb 2020 TU 781 - - Feb 2020 EX 809

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 5 of 26
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Valued Contributor

Re: Chase CCs

It may mean no offers at this time because when I log in, that little bell at the top has 3 offers when I click it. CF, CFU and CSP and then you click on the offer and it gives the Set APR and such.

 

I'd just keep checking back and if you're over the 5/24 maybe check it when you're closer to being 4/24 or less

 

July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 6 of 26
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Community Leader
Senior Contributor

Re: Chase CCs

You do it at www.optoutprescreen.com - should be able to see if you’re opted out or not. By default you’re opted in.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | 2017 Audi A6 Prestige S-Line





TCL $85,100| Agg. Util under 5%
Message 7 of 26
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Community Leader
Mega Contributor

Re: Chase CCs

Best way to avoid rejection with Chase is to reject Chase😄
Message 8 of 26
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Valued Contributor

Re: Chase CCs


@AverageJoesCredit wrote:
Best way to avoid rejection with Chase is to reject Chase😄

If I used that philosophy with women, I would never get slapped in the face. I crave human contact.

















Your FICO credit scores are not just numbers, it’s a skill.

Message 9 of 26
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Community Leader
Mega Contributor

Re: Chase CCs


@Medic981 wrote:

@AverageJoesCredit wrote:
Best way to avoid rejection with Chase is to reject Chase😄

If I used that philosophy with women, I would never get slapped in the face. I crave human contact.


😄🤦‍♂️

Message 10 of 26
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