I want to provide some info on my progress along with some data points that could help future applicants with thin files.
-Age 33
-Location: Atlanta, GA
-Income: 97K
-9mos AAoA
-Active Account Types: 2 credit cards opened / 1 credit builder loan opened ($500)
-Total Credit Limit: $5200 (Discover - $2200 / USAA - $3000)
-Utilization: 1%
-Fico 680-695
-2 Baddies that has been paid off (about 3-4 yrs old)
-Counting this application puts me at 3/24
After about a year of credit rebuilding (dec 17' fico - 546).. I finally pulled the trigger and applied today through Chase Portal since I'm a Premier Checkings/Savings customer.. all I had to do was enter in my income in order to submit the app. Got an alert immediately and Chase pulled Exp which had a Fico8 score of 695. Obviously not an instant approval.. I then recieved an email saying, "We have received your request for a Chase credit card. We'll let you know our decision as soon as possible. Thanks for choosing Chase." Shortly after I called the recon line and got a robo lady saying that I should hear back in 30 days. As of 12/17/18.. this is my current status and will keep everyone posted.
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Fingers crossed. Thanks for sharing!
Good luck! I would say you do have a decent change at an approval but it may be a low limit.
