Chase

[Anonymous]

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@Mattc88 wrote:
40k. a year.Anyway of finding out my real scores besides paying 24.95 for them?

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That is the only way sadly.  There are cards that give you free scores but you don't have that.  That is a good income.. Between the Amazon and Freedom, which one is an absolute must have for you?

[Kirmie2010]

Is your average age of accounts over a year?  If its not that may be why, beacuse your utilization is fine.

Your reports much better than mine, I was approved with 30 points less on my fico score.  (and baddies and more inqs)

[Anonymous]

AAoA is 3.5 years. Freedom is the one i want. I only mentioned the Amazon one thinking it'll be an easier approval just to get my foot in with Chase. Any card from them really would be fine just to get in with them. After time of good behavior is when i'd apply for the better more premium cards.If you're saying Slate is an easier approval i'll consider that one. The rewards aren't a must for me as i have the QS for 1.5% and the Discover for the rotating 5%

[Anonymous]

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@Mattc88 wrote:
AAoA is 3.5 years. Freedom is the one i want. I only mentioned the Amazon one thinking it'll be an easier approval just to get my foot in with Chase. Any card from them really would be fine just to get in with them. After time of good behavior is when i'd apply for the better more premium cards.If you're saying Slate is an easier approval i'll consider that one. The rewards aren't a must for me as i have the QS for 1.5% and the Discover for the rotating 5%

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Don't go for the easier one.  Go for the one you want.  I hope you have your coffee as we are going to start work.  Apply right now and tell me exactly what the response is.

[Kirmie2010]

I dunno whats these guys is talkin about but, Freedom (in my humble opinion) is the easiest of the 3 cards to get.

I dont know why they didnt instant approve you with your report info they should have.  If not approved this time around I would recon right away, I am almost positive you would get it.

(or atleast theyd give you some crazy reason why they wont and we would know)

Were your scores much worse in Feb?  Or are the scores you listed from Feb?  Really really odd you didnt get approved.

[SecretAzure]

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@Mattc88 wrote:
AAoA is 3.5 years. Freedom is the one i want. I only mentioned the Amazon one thinking it'll be an easier approval just to get my foot in with Chase. Any card from them really would be fine just to get in with them. After time of good behavior is when i'd apply for the better more premium cards.If you're saying Slate is an easier approval i'll consider that one. The rewards aren't a must for me as i have the QS for 1.5% and the Discover for the rotating 5%

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Sidenote don't Discover and Freedom overlap a bit on the categories? Are you sure this one best suits your needs? Yes-its-Me will let me know if i'm completely off lol.

[Anonymous]

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@SecretAzure wrote:

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@Mattc88 wrote:
AAoA is 3.5 years. Freedom is the one i want. I only mentioned the Amazon one thinking it'll be an easier approval just to get my foot in with Chase. Any card from them really would be fine just to get in with them. After time of good behavior is when i'd apply for the better more premium cards.If you're saying Slate is an easier approval i'll consider that one. The rewards aren't a must for me as i have the QS for 1.5% and the Discover for the rotating 5%

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Sidenote don't Discover and Freedom overlap a bit on the categories? Are you sure this one best suits your needs? Yes-its-Me will let me know if i'm completely off lol.

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I agree as I am thinking the same thing but it seems it is what he wants.

[Anonymous]

Could it be due to a "thin" credit history? I've never had an auto loan or mortgage loan. My only credit lines are the credit cards you see and 4 student loans. All are in good standing 100% perfect payment.

Should i apply right now? I just received the ventureone, and i applied for the AmEx everyday and was sadly denied (that one said due to short amount of time with AmEx) Should i apply so soon to the other cards. I don't wanna show suspicious behavior.

[Anonymous]

I guess they do overlap lol. As i said i only want the card to be in with chase since i due my banking with them i would like a credit line as well. I know i don't need the card for any real purpose.

[Anonymous]

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@Mattc88 wrote:
Could it be due to a "thin" credit history? I've never had an auto loan or mortgage loan. My only credit lines are the credit cards you see and 4 student loans. All are in good standing 100% perfect payment.

Should i apply right now? I just received the ventureone, and i applied for the AmEx everyday and was sadly denied (that one said due to short amount of time with AmEx) Should i apply so soon to the other cards. I don't wanna show suspicious behavior.

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Have you ever had an amex?  See response in blue..

So we have agreed the freedom won't work since you already have Discover and QS.  For chase, which one do you want - AMAZON or SLATE.  Choose one and apply and if it goes into pending, we will help you recon/call for them to reconsider their decision.