No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
A few weeks ago I opened a Chase checking account, and signed up for direct deposit, I just recently hit the two year mark of not applying for any new credit. I currently have a fico score of 740 to 750ish across the three bureaus, total UTI of 16%. One inquiry on Ex, one inquiry on TU(due to fall off next month), zero inquiries on EQ. No negatives. I don't have any pre approved offers showing in the app, and I get the "no offers at this time", when I go to the prequalify site. Would it be wise to not apply at this time with no offers available?
@Anonymous wrote:A few weeks ago I opened a Chase checking account, and signed up for direct deposit, I just recently hit the two year mark of not applying for any new credit. I currently have a fico score of 740 to 750ish across the three bureaus, total UTI of 16%. One inquiry on Ex, one inquiry on TU(due to fall off next month), zero inquiries on EQ. No negatives. I don't have any pre approved offers showing in the app, and I get the "no offers at this time", when I go to the prequalify site. Would it be wise to not apply at this time with no offers available?
Based on the info you have shared there's no real reason why you shouldn't apply especially if one of your existing cards has a credit limit at least in the $5-10K range.
Failure to prequalify with Chase doesn't translate to slim odds of approval.
@coldfusion wrote:
@Anonymous wrote:A few weeks ago I opened a Chase checking account, and signed up for direct deposit, I just recently hit the two year mark of not applying for any new credit. I currently have a fico score of 740 to 750ish across the three bureaus, total UTI of 16%. One inquiry on Ex, one inquiry on TU(due to fall off next month), zero inquiries on EQ. No negatives. I don't have any pre approved offers showing in the app, and I get the "no offers at this time", when I go to the prequalify site. Would it be wise to not apply at this time with no offers available?
Based on the info you have shared there's no real reason why you shouldn't apply especially if one of your existing cards has a credit limit at least in the $5-10K range.
Failure to prequalify with Chase doesn't translate to slim odds of approval.
Appreciate your response. I have two NFCU cards with 29k limit, one Amex with 30k limit. And few other cards 9k and higher. I think I'm nervous due to how I learned about how conservative they are with their approvals, and if you don't have any offers, and their 5/24 rule.
@coldfusion wrote:
@Anonymous wrote:A few weeks ago I opened a Chase checking account, and signed up for direct deposit, I just recently hit the two year mark of not applying for any new credit. I currently have a fico score of 740 to 750ish across the three bureaus, total UTI of 16%. One inquiry on Ex, one inquiry on TU(due to fall off next month), zero inquiries on EQ. No negatives. I don't have any pre approved offers showing in the app, and I get the "no offers at this time", when I go to the prequalify site. Would it be wise to not apply at this time with no offers available?
Based on the info you have shared there's no real reason why you shouldn't apply especially if one of your existing cards has a credit limit at least in the $5-10K range.
Failure to prequalify with Chase doesn't translate to slim odds of approval.
-------
Any info on which card would be best to apply for as a first card with them?
Don't apply for "best first card", apply for the card you can use.
That's a waste of an application, and financial waste for you.
You don't need a prequal as long as you're under 5/24.
If you are near a branch, stop in there and ask if they have any offers for you. The branches often have access to different credit card promotions.
Based on your DPs I'd like to think you're good to go and should anticipate a good SL. The Freedom Unlimited is a solid card to have. The $200 bonus after $500 spend is great plus no interest for 15 months.
Apply away and good luck
@Anonymous wrote:A few weeks ago I opened a Chase checking account, and signed up for direct deposit, I just recently hit the two year mark of not applying for any new credit. I currently have a fico score of 740 to 750ish across the three bureaus, total UTI of 16%. One inquiry on Ex, one inquiry on TU(due to fall off next month), zero inquiries on EQ. No negatives. I don't have any pre approved offers showing in the app, and I get the "no offers at this time", when I go to the prequalify site. Would it be wise to not apply at this time with no offers available?
if you are under 5/24 you do not need offers to apply for Chase
@Anonymous wrote:
@coldfusion wrote:
@Anonymous wrote:A few weeks ago I opened a Chase checking account, and signed up for direct deposit, I just recently hit the two year mark of not applying for any new credit. I currently have a fico score of 740 to 750ish across the three bureaus, total UTI of 16%. One inquiry on Ex, one inquiry on TU(due to fall off next month), zero inquiries on EQ. No negatives. I don't have any pre approved offers showing in the app, and I get the "no offers at this time", when I go to the prequalify site. Would it be wise to not apply at this time with no offers available?
Based on the info you have shared there's no real reason why you shouldn't apply especially if one of your existing cards has a credit limit at least in the $5-10K range.
Failure to prequalify with Chase doesn't translate to slim odds of approval.
Appreciate your response. I have two NFCU cards with 29k limit, one Amex with 30k limit. And few other cards 9k and higher. I think I'm nervous due to how I learned about how conservative they are with their approvals, and if you don't have any offers, and their 5/24 rule.
based off your other limits i assume you have high income. Chase likes high income individuals and usually rewards them with high limits.
I just got approved for the Freedom Flex without being prequalied on their website. Your stats are better than mine. I guarantee you will get approved for any of their cards you apply for.