@CYBERSAM wrote:Also Chase use their own internal score which would effect your SL. Not sure if you can get that in branch or other ways!
Yeah, I know it's Chase's internal score. I don't know if we can get that anywhere. I know they pull Experian and threw my EX8 scores out there but I realize that's not the score Chase is looking at.
EQ8 780, TU8 748, EX8 771 as of January 7
@FinStar wrote:
@mgood wrote:
@CYBERSAM wrote:Also Chase use their own internal score which would effect your SL. Not sure if you can get that in branch or other ways!
Yeah, I know it's Chase's internal score. I don't know if we can get that anywhere. I know they pull Experian and threw my EX8 scores out there but I realize that's not the score Chase is looking at.
Nope. CARS is their own proprietary model so it's not available anywhere else. Also, they can pull from any CRA or even from 2 separate CRAs. While they could access what most DPs may show a consistent pattern, they're not exclusive to a single CRA. IME, I've just learned over the years, regardless of geo-location, they'll pull whichever.
Yes, I was oversimplifying when I said "I know they pull Experian." I know from the chart in the other thread that Experian is what they usually pull in my area. I know from other posts here that Experian seems to be very common for Chase, but it's not uncommon for them to pull Experian and TransUnion, but they could pull from any. I know that when I got my CFF they pulled Experian. Does that guarantee that's the only thing they'll pull next time? Probably not. But I assume (and we know what assume does) they will pull Experian for me again. Thank you @FinStar for reminding me I don't always know everything I think I know. That's part of why I started this thread, so others can point out things I may be overlooking.
@FinStar wrote:
. . . One thing though, and I'm sure you already know this, if your CRs are frozen/locked make sure they're thawed way in advance, not just 24 hours prior to the app. Often times glitches can occur in the CRA side that may delay things. Then, once you know the full outcome of the application (not just when they access CRs), then you can freeze/lock them again.
I figured that out on my own trying to use pre-qual sites. I thaw the CRAs. They say they are thawed. Then try to pre-qualify for something and it says it can't access my reports. Try again in a few hours or the next day, and it works. It doesn't seem to be instant, even if EQ/TU/EX websites lead you to believe that it is.
@Remedios wrote:
@mgood wrote:I'll be 4/24 on January 16. I've read some posts that say you're good to go with Chase on that day or the next, and others that say you should wait until the beginning of the following month. I'm planning to wait until the evening of February 1, just to be safe. I might apply a little sooner if I get a "You are already approved" with a green/black check/star thingy. I have one for a loan, but not for any cards. Besides, I want to wait until statements cut on some cards that will show lower balances on this month's statements than they did last month. So no sooner than the 20th.
Yeah, I'd really like to see something like that with CSP and/or CSR on it.
I'm planning to get the Sapphire Preferred. But it wouldn't take much motivation to push me towards the Sapphire Reserve. If the Reserve offered a slightly higher SUB, a reduced annual fee for the first year, 0% APR for a little while. Just a little something, and I'd try the Reserve for a year anyway. But I really think the Preferred is going to be a better fit for me with my spending and travel.
People often suggest applying in branch to get the first-year annual fee waved on the Preferred. I know that was a limited-time promotional deal for a while that some people got even after that time period had supposedly expired. But, has anyone actually gotten that deal in the past year and a half or so? All accounts I read of it are from a while back, yet some still insist that's the way to go. Anyone know of any other in-branch incentives? Getting to a branch to apply could be a pain in the behind from where I live. I wouldn't make the trip just to save a $95 annual fee because it would cost me half that much in gas and several hours of my time. I could find other reasons to be in the city where the nearest Chase is located, and stop by there while I'm in town. But most of the time I go would be on a Saturday. Would the people I need to talk to even be there on Saturday? I could arrange to be there on a week day, but I don't want to make the effort if they're going to give me the same deal I can get online. And it's somewhat unpredictable when I could be there on a week day. Like we get rained out at work and sent home. So I go shopping while most other people are at work.
I don't think getting approved will be a challenge once I'm under 5/24, even if I go for the Reserve which has a $10k minimum CL. I'm mostly playing for style points now, hoping for a higher SL.
My scores should be a little higher by application time due to my utilization dropping from 11% to 8%.
@Remedios wrote:. . . Chase is very sensitive to raw dollar amounts, they don't play utilization percentage games.
That's one thing I'm concerned about. When I got my CFF, which was the highest limit of any of my cards at that time, my EX8 was 748. It's 762 now and will probably be a little higher still. But when I got that one, my total debt was $459. Now I owe $8750 on credit cards and $5647 of a $10k PenFed personal loan. My income has gone up. Was $52k, now $72k. Rent still the same at $700. And when I opened that CFF, it was my first Chase account of any kind. Now I have 20 months as a Chase customer. Maybe that will count for something.
Your input is welcome. Yes, you, if you've taken the time to read this.
For me, applying for chase card a few days after going below 5/24 worked. I am certain they go by exact date but a lot of people here wait till following month to be on a safer side of things.
I also believe your time with Chase counts for something but I wouldn't lean on that too hard, there are other checkmarks that need to be placed
Chase has pre-qual portal now. So, check it out a few days after 16th (I'd recommend 19th), and go from there.
Agree with this pretty much, just check the pre qual.
@FinStar wrote:One thing though, and I'm sure you already know this, if your CRs are frozen/locked make sure they're thawed way in advance, not just 24 hours prior to the app. Often times glitches can occur in the CRA side that may delay things. Then, once you know the full outcome of the application (not just when they access CRs), then you can freeze/lock them again.
I thawed all three back on the 8th or 9th. I've gone back to EQ, TU, and EX websites multiple times since to confirm that they say they are not frozen. But when I tried the Amazon pre-qual last night, it said it could not access my credit reports 🤨
@FinStar wrote:
@mgood wrote:
@FinStar wrote:One thing though, and I'm sure you already know this, if your CRs are frozen/locked make sure they're thawed way in advance, not just 24 hours prior to the app. Often times glitches can occur in the CRA side that may delay things. Then, once you know the full outcome of the application (not just when they access CRs), then you can freeze/lock them again.
I thawed all three back on the 8th or 9th. I've gone back to EQ, TU, and EX websites multiple times since to confirm that they say they are not frozen. But when I tried the Amazon pre-qual last night, it said it could not access my credit reports 🤨
The Amazon pre-qualification has been known to be glitchy for some folks since it became available. If you were to try any other SP pre-qualification portals that would yield positive results (without pulling the trigger), then it's likely some technical issue.
Ok, that helps a little. About a week ago I did try Discover and Amex. Both pre-approved me (Amex for a Platinum with a 150,000 MR SUB instead of the current offer of 80,000.)
I was worried that since that Amazon card is issued by Chase, if they couldn't see my reports, Chase wouldn't be able to see them when I apply with them.