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Odds on Chase approval?

Established Member

Odds on Chase approval?

Hello there!


First off, I want to say that for the past couple of months I have been an avid reader of these forums. I started my credit journey last June and I am truly amazed at all the information, tips, suggestions, and help all of this community provides to newbies out there!


So here is my situation: I am at 680 FICO score (experian number). I applied and got approved for the Amex BCE SL $1,000.00 last month (approval letter said my FICO was 698 at that time). The only credit history i have is a car loan from 2010 that was closed on 2016 with almost all payments showing late, and another car loan I got this past June 2020 that I have paid without miss until today. Obviously, the BCE has not reported to Experian but there is that HP on the report. I went to the credit match tool and it shows pre qual for the Chase Saphire preferred. I know they pull from EX, and am deciding wether or not to apply for the freedom flex or saphire preferred.The Amex has not reported yet so besides the HP on the report that is a non factor. Should I apply for any of the Chase cards and if so, which one?


Thanks so much for your input!

Message 1 of 16
Community Leader
Super Contributor

Re: Odds on Chase approval?



Have you tried  to prequalify on the chase site? That would be my first step.Also chase will sometimes do 2 hard pulls as well .


Also please remember those "credit matches" are really just marketing and you can't rely on them .

EXP 758 TU 783 EQ 729
Message 2 of 16

Re: Odds on Chase approval?

Hi @whodatpr84, welcome to the forums.


Personally, I would hold off in applying with Chase.  Also, the Credit Match tool is not a reliable tool for any solid approvals.  The site is monetized to peddle such offers.  The main thing is that if you've had late auto loan payments in the past, your recent auto loan hasn't aged sufficiently and your new AmEx CC hasn't reported.  You'd be basically wasting a HP, but most likely 2 since Chase is usually known to pull two in a variety of cases.

Message 3 of 16
Established Member

Re: Odds on Chase approval?

I did and nothing came up, but from everything I have read nothing will show up for me as pre qual because of my Puerto Rico Address.

Message 4 of 16
Established Member

Re: Odds on Chase approval?

I figured the Credit Match thing was just marketing, but I was really surprised when I was approved for the Amex BCE since every single pre qual tool I used except for the AMEX one either came no offers or Secured CC. Amex gave me a pre qual for the Delta Gold and for the BCE so  I went for thr BCE and got approved. 

Message 5 of 16
Established Contributor

Re: Odds on Chase approval?

@whodatpr84 , Amex is a little more flexible than chase. If I understand correctly you made almost all of your payments late..did they report as 30 days late or or later or did you make the payments within the grace period? Based on a co workers similar profile it would appear you're just suffering from no or limited credit cards reporting...


I do know pre Covid it was pretty common that chase wanted to see a year minimum before issuing a card. I dont know if installment loans count but it is credit history, with that said if you want a chase card give it a go. Chase will probably pull 2 credit bureaus. For me and quite a few it was EX & EQ pulled with some instances of EX & TU.

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Message 6 of 16
Established Member

Which Chase to app for: FU or CSP?

Hello all!

Here's the situation: I have gone from no Credit Cards before October 2nd to 2 credit cards: Got approved for an AMEX BCE $1k SL and yesterday a Discover it Cash Back  $7k SL (neither appear yet on any report, except having been auhorized as a user in my wife's TJ MAXX CC which took my Credit utilization from 0% to 51%).

My specific situation is this: a lot of card issuers do not let me apply because I am from Puerto Rico, and by far the most widely accepted type of card here is Visa. So I'm thinking of doing a third app for either a Chase Freedom Unlimited or the Chase Saphire Preffered (if accepted, would be my last app for a very long while). These are my stats:


Experian FICO 8: 707

TU FICO 8: 665

EQ: FICO 8: 743

Payment history: exceptional

Average Age of Account: Good-66 Months

Amount of New Credit: Good- 5 months

HP's on EX- One from Discover yesterday, One from AMEX on Oct 2nd, one from SYNC on January 2019

Car Loan from past June: No missed payments


 I already have the 0%APR for 14 and 15 months respectively from AMEX and Discover so I would not mind that the saphire does not have a 0% APR offer, plus my income is $61K and I can hit the $4k spending requirement  in 3 months for the bonus SUB of 60k points pretty easily. 


What do you guys think?


Thanks in advance!

Message 7 of 16
Regular Contributor

Re: Which Chase to app for: FU or CSP?

Check if there are any pre qualification check for chase cards 

Goal Cards
Message 8 of 16
Super Contributor

Re: Which Chase to app for: FU or CSP?

Do you want a cash back card or a travel card?

The answer dictates which card you should app for

3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840

"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 9 of 16
Regular Contributor

Re: Odds on Chase approval?

I recently applied for CSP and got instantly denied but then approved via recon.
I am not sure if it is realistic with 698 score and yes Chase will pull EX and EQ.
My score was 768 as per the approved application from EX, but still they rejected me because I had the oldest account (1 year 10 months) not old enough and short history overall (11 months avarage at the moment of application).
I also had CFU for 1 year 1 month and Checking Acc with Chase for 2 years, and still they didnt want to approve me.
Here is a full story:
Flex Card is probably realistic. I got CFU with 8 months history and score around 720

Moved to the US in August 2018.
Applied for Citi Costco in November 2018 - Denied due to lack of history (no history).
Started building credit in January 2019. Please hover over each card:

Goal Cards:

Message 10 of 16
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