Chase

[Anonymous]

I for some reason am always denied the freedom card from Chase. I have my banking with them for years now and would to also have a credit line with them. My question is.

Is the Amazon Visa through them easier to be approved for? It would be a beneficial card since i do shop at amazon a lot so it wouldn't be a wasted card, and it would get my foot in the door with chase finally.

[Anonymous]

What is your credit profile like?

And NO. I do not suggest the Amazon Visa as there are better alternatives to it from other issuers.

Also the U/W is all over the place on that particular card.

I suggest one of the travel cards like SW.

[Anonymous]

Thanks for the heads up. BTW what is U/W?

[Anonymous]

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@Mattc88 wrote:

Thanks for the heads up. BTW what is U/W?

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Under Writing

[Anonymous]

Ah, thank you.

[Anonymous]

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@Mattc88 wrote:
I for some reason am always denied the freedom card from Chase. I have my banking with them for years now and would to also have a credit line with them. My question is.

Is the Amazon Visa through them easier to be approved for? It would be a beneficial card since i do shop at amazon a lot so it wouldn't be a wasted card, and it would get my foot in the door with chase finally.

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@Mattc88,

As stated, how does your entire credit profile look like?  What are your scores?  Do you have any baddies on there?

[Anonymous]

688 TU fico. 710 and 706 on credit karma. No baddies. Only about 4 inq. 100% perfect payment history. Despite everuthing seeming to be in good order chase repeatedly denies me. i really would like to get in with them. What would be the easiest approved card you think?

[Anonymous]

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@Mattc88 wrote:
688 TU fico. 710 and 706 on credit karma. No baddies. Only about 4 inq. 100% perfect payment history. Despite everuthing seeming to be in good order chase repeatedly denies me. i really would like to get in with them. What would be the easiest approved card you think?

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What is the reason for denial and how long ago did you apply for the Freedom card?  Also, when deciding to apply don't use /base decisions on CK scores...

[Anonymous]

I applied 3 times about every 6 months. Last one i think was in Feb. One of the denials said low credit score. I don't think 688 though is too low for the freedom card. It's not like it's a top tier card.

[Kirmie2010]

I honestly think the amazon visa is harder to get than the Freedom.

I tried for the visa when i was getting discover/chase/barcly and i wasnt able to get it but got the other prime company cards.

*edit*
something you didnt list and is a huge factor, whats your overall utilization and max utilization on a single card?

Your inqs are fine, collections to a point are fine but utilization is a big one.