@Anonymous wrote:I don't think your scores are that bad. I bank with Chase and I've never been pre-approved for any of their cards either. I don't think your banking with Chase is a huge factor in getting a cc or not. They look at your credit report. Not your checking and savings accounts. I'd say continue to focus on building your credit. You also never mentioned what Chase cc you're interested in?
Hi Just my experience Chase does look at your banking history if you have a checking and savings and other accounts and they do take those into account when making decsions. Here is mine, I have been banking with them since 1995 right out of highschool and my current salary is 94k year base excluding bonus and stock options. Chase has all of this has seen every check deposited, About 3 years ago I had two negative balances becasue did not opt in to the auto withdraw from savings for overdraft protection and I would transfer manually well I didn't and got those on my account and they were paid same day. Anyway I applied for the reserve and it went into 7 day message I called back an spoke with them the first thing the guy says from underwritting is that he will look over my credit report, checking account to make sure there were no overdrawn issues, total deposits made monthly and spending monthly, outgoing bill payments, and same with savings. I asked why would that matter he says it one it shows us a real picture vs credit reporting which is not always up to date but if you bank with them they can see who and how much you are paying others by whats coming out of your account. He said it can good and bad depending on situations, needless to say I was approved with a 20k limit but I had to explain about the 2 overdraft issues.
I've banked with Chase now for over 7yrs.
Have never been pre-qualified for anything.
I applied for the Freedom 3yrs ago and was approved for a $500 SL. 3yrs later, it still sits at $500.
About 2 months ago when all 3 of my scores got above 700, I applied for the Freedom unlimited.
Got a $2k SL.
Here I sit, with all scores above 759, one close to 800 and never get pre-qualified mailers or ever show anything I'm pre-qualified for.
It tells me that scores mean very little anymore and just want rich people who make over $100k a year to get the good limits.
Good luck on your journey
Have never been pre-qualified for anything.
I applied for the Freedom 3yrs ago and was approved for a $500 SL. 3yrs later, it still sits at $500.
About 2 months ago when all 3 of my scores got above 700, I applied for the Freedom unlimited.
Got a $2k SL.
Here I sit, with all scores above 759, one close to 800 and never get pre-qualified mailers or ever show anything I'm pre-qualified for.
It tells me that scores mean very little anymore and just want rich people who make over $100k a year to get the good limits.
Good luck on your journey
@Total80sKid wrote:
I've banked with Chase now for over 7yrs.
Have never been pre-qualified for anything.
I applied for the Freedom 3yrs ago and was approved for a $500 SL. 3yrs later, it still sits at $500.
About 2 months ago when all 3 of my scores got above 700, I applied for the Freedom unlimited.
Got a $2k SL.
Here I sit, with all scores above 759, one close to 800 and never get pre-qualified mailers or ever show anything I'm pre-qualified for.
It tells me that scores mean very little anymore and just want rich people who make over $100k a year to get the good limits.
Good luck on your journey
My wife got two cards with them this year one with a 27k limit and one with a 25k limit and she has no banking relationship with them. I am not a fan of Chase as they have treated me badly in the past. I wouldn't have anything to do with them but they have some good partners.