So how picky is Chase and Citi with their approvals? I'm asking because I've had both (almost 10 years ago) when I got out of high school. I messed up big time due to lack of knowledge. Both ended up being charged off paid the collections and are no longer on my report in any form. By the end of this year or very beginning of next year I was planning to apply for another card to replace one of my not so prime cards....I don't have the best credit but no where near the worst. I believe once I get my balances back down my scores should raise significantly and the time I'm spending in the garden will allow some inquiries to settle and some will also fall off. I'm also waiting for two collections to update and maybe even one to fall off.
I agree with the other posters, I applied for chase slate recently and they pulled my 692 Fico with clean report.......STILL DENIED lol. They sole reason was due to relatively short credit history. Apparently 2 years of excellent payment history isn't enough. Oh well, I still have and LOVE NFCU and Barclay's.
”Breathing new life into a dead credit file”