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Chase Question

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Chase Question

I have been reading this forum for a while.

Just secretly making this my addiction to keep from shopping of course! LOL (This is my first post so sorry if I didn’t supply enough information) Anyway, I am interested in apply to join the Chase Eco-system on but have a few late payments over the last 2-4 years. I was curious how long do I need to wait until I can apply for Chase card to be approved. My current score is 689.
Message 1 of 14
Established Contributor

Re: Chase Question

Welcome to the forums!

Probably one of the best ways to get an idea of where you stand is to sign up for Chase's Credit Journey site. ( It provides a VantageScore 3.0 score so you should disregard the score provided, but they also offer prequalified offers once you start meeting their requirements. It could take weeks or months before they start showing offers but once they do, you're usually good to go (but as always in the credit world nothing is 100%). 

Chase Sapphire Reserve 18.5k
Chase Freedom Unlimited 11.7k
American Express Bonvoy Brilliant 15k
Barclays Aviator Red 4k
Citi AAdvantage Platinum Select 12k
Amazon Store Card 10k

Fico 8s as of 04/02/2020:

Message 2 of 14

Re: Chase Question

Hi @bettiebrown251,welcome to the forums.

When you say "few" late payments, how many are we talking about? Are any of these in the 30/60/90+ range? Do you currently bank with Chase?
Message 3 of 14
Regular Contributor

Re: Chase Question

If you have nothing else chase you might want to start with appying to a co-branded card.


Marriott (100k), Southwest (75k) and United (65k) have monster bonuses out right now.


Forget the CSR in your situation for the moment I would think. CFU would be a nice upgrade though because the Freedom line has better shopping portal bonuses than the Sapphire line. That is one of the best features of the Chase eco-system the shopping portal. AMEX and Citi don't even have their own portal. 

Official travel point totals as of 3/21/20 (Goal Free Flights)
Chase Ultimate Rewards 163,976
British Airways Avios 11,332
AA Advantage 10,841
United MileagePlus 4,550
Expedia Points 2,523
Southwest Rapid Rewards 1,000
Hilton Honors 481
Delta Sky Miles 123
Marriot Bonvoy 0

Official cashback as of 3/21/20 (Goal Fund Roth IRA)
Acorns 418.87
Retail Me Not 85.12
Top Cashback 39.08
DOSH App 32.64
Raise Cash 27.49
PEI App 24.28
Club Overstock 23.87
Mr. Rebates 14.65
Rakuten 0.00

Other Point Category
Freebird 3,500
Samsung Rewards 2,750
Open Table 1,400
Message 4 of 14
New Member

Re: Chase Question

Thank you. I have signed up for it. I will be on the look out for it.
Message 5 of 14
New Member

Re: Chase Question

4 random 30s days on a car loan from 2017 most recent i believe is 9/2019
Message 6 of 14
New Member

Re: Chase Question

I do have a couple chase accounts. But no credit cards at all with them.
Message 7 of 14
Super Contributor

Re: Chase Question

Good luck !

3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>04/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 8 of 14
Valued Contributor

Re: Chase Question

Good luck if you decide to apply!


With you being a chase customer, you can either check for any pre approvals via the website on the drop down under credit cards, or just for you, or via chase credit journey. If you have a bank near you, you can always pop in and see if they have any in branch approvals for you that may not be showing online.

April 2020
Experian Fico 8. 701
Transunion Fico 8. 711
Equifax Fico 8. 717

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 9 of 14

Re: Chase Question

You and I are in very similar boats. I am new here, too, the Chase-Eco System is my goal,  I have accounts with them but no cards, and I have things unrelated to credit cards suppressing my scores (in my case, it's medical collections, though). From my research here the past couple of months, I reached the conclusions that have already been recommended to you: the Marriot Bonvoy card is the way to go,  and I that I needed to be enrolled in Credit Journey. 


I'm not going to app until my disputes for the med collections yield some results, but whenever you do pull the trigger,  I have seen a lot of evidence - here and elsewhere - that it is worth the effort to call their recon line should you not get an immediate approval.


Good luck to you!

Starting Score: 622
Current Score: 652
Goal Score: 750

Take the myFICO Fitness Challenge
Message 10 of 14
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