Chase in branch approval?????

[Mytslow]

Wanting to get in the door with chase, TU-701, Eq- 688, Exp-686. AaoA-2yrs, income- above 100K. I don’t want too many hard pulls so I don’t want to apply for something with low approval odds. What’s everyone’s thoughts on the freedom vs slate card and approval chances????

[simplynoir]

If you can get an in-branch pre-approval those are pretty much as solid as you can get as far as a guarantee for getting the card. With regards to the Freedom/Slate question the Slate is strictly a BT card so if you don't have any balances you want to swing that way there's no point getting that card at all. The Freedom has 5% quarterly categories which are nice if they match your spend; also have to throw out there the Freedom Unlimited is a 1.5% earner for all purchases just in case because I don't know particularly know which Freedom card you're talking about here. Either of the Freedom cards is nice to have if you're looking to start collecting points in Chase's UR program.

[Anonymous]

I think you got a good chance. I was approved for a freedom with a 670 and 80%+ Utlization. I had 2 credit cards and average age was around 2 years. Also a lower income but had a long history with chance. 

[SouthJamaica]

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@Mytslow wrote:
Wanting to get in the door with chase, TU-701, Eq- 688, Exp-686. AaoA-2yrs, income- above 100K. I don’t want too many hard pulls so I don’t want to apply for something with low approval odds. What’s everyone’s thoughts on the freedom vs slate card and approval chances????

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IMHO the Slate is a useless card so I would stay away from it.

[Mytslow]

I’ve had my checking and savings with chase for several years so I’m hoping that will help

[Meanmchine]

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@Mytslow wrote:
Wanting to get in the door with chase, TU-701, Eq- 688, Exp-686. AaoA-2yrs, income- above 100K. I don’t want too many hard pulls so I don’t want to apply for something with low approval odds. What’s everyone’s thoughts on the freedom vs slate card and approval chances????

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There is no possible way to answer this question given the lack of information you gave us to work on. 

Date last account opened

How many accounts opened in last 2 months

Any missed payments

Bankruptcy showing?

Prior history if any with Chase

Any collection accounts on report?

 What are the reasons your scores are low?

The more info you provide, the better responses we can give you

[Mytslow]

Thanks for the reply Meanmchine, so to elaborate on your questions, 

 only account in last to months is a Mortgage, No late payments for over 24 months, bankruptcy discharged in 2009, my relationships with chase are all my banking and a CC that shows in open and in good standing with 0 balance but hasnt reported since 2008, and NO collection accounts. the scores are low I believe because for a while I had a bad DTI and very high utilization until I learned about it and for about 8 months now ive kept reported utilization around the 10% mark on the one CC that I have.

[Meanmchine]

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@Mytslow wrote:

Thanks for the reply Meanmchine, so to elaborate on your questions, 

 only account in last to months is a Mortgage, No late payments for over 24 months, bankruptcy discharged in 2009, my relationships with chase are all my banking and a CC that shows in open and in good standing with 0 balance but hasnt reported since 2008, and NO collection accounts. the scores are low I believe because for a while I had a bad DTI and very high utilization until I learned about it and for about 8 months now ive kept reported utilization around the 10% mark on the one CC that I have.

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Chase has a policy of auto declines if BK is on reports.  You would have to win your case on recon. Some people squeek thru. 

If Chase was IIB, then your slim odds just disappeared

Being that you didnt want to take any risks with HPs, Id suggest another bank

Good luck

[FinStar]

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@Meanmchine wrote:

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@Mytslow wrote:

Thanks for the reply Meanmchine, so to elaborate on your questions, 

 only account in last to months is a Mortgage, No late payments for over 24 months, bankruptcy discharged in 2009, my relationships with chase are all my banking and a CC that shows in open and in good standing with 0 balance but hasnt reported since 2008, and NO collection accounts. the scores are low I believe because for a while I had a bad DTI and very high utilization until I learned about it and for about 8 months now ive kept reported utilization around the 10% mark on the one CC that I have.

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Chase has a policy of auto declines if BK is on reports.  You would have to win your case on recon. Some people squeek thru. 

If Chase was IIB, then your slim odds just disappeared

Being that you didnt want to take any risks with HPs, Id suggest another bank

Good luck

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Concur with the above and YEMV.  Unfortunately, depository relationship would not necessarily swing things to override their internal BK policy. 

[Mytslow]

I decided to go ahead and give the freedom unlimited a try in branch and got the 5-7 day message. I was kinda disappointed that the banker wouldn’t call the recon line and try anything but I will do it myself tomorrow just to see if it will help.