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Need Help & Advice to Obtain a Chase Credit Card - Discover or AMEX Card with an average FICO 636

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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Need Help & Advice to Obtain a Chase Credit Card - Discover or AMEX Card with an average FICO 636

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Frequent Contributor

Re: Need Help & Advice to Obtain a Chase Credit Card - Discover or AMEX Card with an average FIC

You’re going to have to provide more details about your credit profile then just your score. But regardless you can check to see if you’re prequalified for anything from Amex or Discover. Links:
 
https://www.discovercard.com/application/prequal
https://www.americanexpress.com/us/credit-cards/check-for-offers
 
Chase is most likely a no, with those scores.
I just returned from financial hell. Don't go, the brochure is a lie.
Message 2 of 5
Established Contributor

Re: Need Help & Advice to Obtain a Chase Credit Card - Discover or AMEX Card with an average FIC

What cards do you have currently? What's your credit history like? Credit age, current cards? Any derogatory on your report? Two of the banks you've mentioned have some tight underwriting requirements. You can check the Discover pre-qual page since they have a less stringent  underwriting process and tends to pave the way for young, thin or those rebuilding their files. I'd start with Discover first and make the other two banks your goal after 6 mos. to one year. Just my opinion.

Fico Scores as of March 2019: TU:764 EQ: 774 EX: 764
Fico Goals: TU: 770+ by 12-2019 EQ: 770+ by 12-2019 (achieved) EX: 780+ by 12-2019



Message 3 of 5
Community Leader
Super Contributor

Re: Need Help & Advice to Obtain a Chase Credit Card - Discover or AMEX Card with an average FIC

Chase- pray
Amex- try to be 640 + (Ex)
Discover- lucky 8ball/ either way
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 4 of 5
Valued Contributor

Re: Need Help & Advice to Obtain a Chase Credit Card - Discover or AMEX Card with an average FIC


@AverageJoesCredit wrote:
Chase- pray

maybe fasting too?Smiley Wink

Message 5 of 5