Chase application questions

[Anonymous]

Hi, 

I have been building my credit back to good for about 6 years.  My last late payment on anything was in 2010.  I have 2 acounts with late payments still reporting from 2010 that will fall off in 2017.  My current scores are:

All FICO 8:

Experian = 750
TransUnion = 706
Equifax = 699

I have one credit card (Cap1, QS with a $7000 limit increased from $3000 about a month ago).  All bureaus show the credit limit increase.

So I am in the market for a new card. I went to the Chase prequalify site and it showed 3 cards (Freedom, Slate and Sapphire Preferred).  Between the 3 cards, the Saphire Preferred card has the most bonuses, but thought it would have the most strict approval requirements.  

Any thoughts?

-Mickey

[driftless]

I would suggest that you app for the CSP and Freedom. QS, CSP & Freedom are the 3 cards that I have.

[jacetx]

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@Anonymous wrote:

Hi, 

I have been building my credit back to good for about 6 years.  My last late payment on anything was in 2010.  I have 2 acounts with late payments still reporting from 2010 that will fall off in 2017.  My current scores are:

All FICO 8:

Experian = 750
TransUnion = 706
Equifax = 699

I have one credit card (Cap1, QS with a $7000 limit increased from $3000 about a month ago).  All bureaus show the credit limit increase.

So I am in the market for a new card. I went to the Chase prequalify site and it showed 3 cards (Freedom, Slate and Sapphire Preferred).  Between the 3 cards, the Saphire Preferred card has the most bonuses, but thought it would have the most strict approval requirements.  

Any thoughts?

-Mickey

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Although there is never a 100% guarantee of approval, Chase prequals are very solid. Go for it!

[Anonymous]

I am not sure about applying for two cards instead of one.  I just dont know that my scores are strong enough for that.  The other thing is, that one of the three bureaus (Equifax) shows 9 hard inquiries on me.  I refinanced my mortgage and bought a new car last year and got my only credit card.  The car buying process resulted in multiple hard pulls.  Not sure what I did wrong, but it shows that.  TU and Ex only show four hard inquiries.  I didn't know if the 9 showing on Equifax would hurt me either.

How does that work (like literally, how would you put in two apps)?  

Does it decrease your approval chances?

What are the benefits?

-Mickey

[Anonymous]

look on credit pulls database.. I think they pulled Ex for me last month

[driftless]

If you apply for the CSP and the Freedom right afterwards it should result in only one HP. You will be able to be approved for 2 but not 3 Chase cards. I would trust the pre-qualified offer. Not sure how ccc look at the HP's when buying a house or card, whether they count as one or are counted individually, perhaps someone else can weigh in here.

[Anonymous]

Nothing really recent on the CreditPulls Database.  Most were 3 to 10 years old.  The 3 that were in my state in 2015 were two TU and one EQ.  Those are my two lowest scores. (699 EQ, 706 TU).

[creditFiend]

I say app for the card you want CSP. If instant, app Freedom too if you want (for 1 HP). If your only interest is the CSP, go for it. I think you'll be approved. GL in whatever you decide.
Please come back to share your results!☺

[Anonymous]

I'd say go for it. Your current scores are better than mine were, as is your history I believe.

The Freedom and CSP play nicely together.

Good luck!!

[Anonymous]

I applied for the Chase Slate Card.  It fit a need for me to be able to transfer a balance at a 22+% rate and no BT fee and 0% for 15 months, as long as I transfer withing 2 months.  I was approved instantly with a $5000 limit.  

I then tried to submit an app for the Freedom card and instead of taking me to the Application page it took me to a page that said:

"THANK YOU FOR YOUR SUBMISSION

We appreciate your interest in a Chase card product.  We have received the

information you have submitted. You may close your browser session."

I hate to sound dumb, but what does this mean?  Does this mean it wouldn't let me apply for the Freedom card?  Does it mean I was declined?  I am confused.