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Score needed for chase and Citi bank

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Anonymous
Not applicable

Re: Score needed for chase and Citi bank


@Creditplz wrote:
I had 50 Inq on EX and 25 on TU and 22 on EQ. This was last week Smiley Happy

Is this auto loan inq or all credit cards. I wish I had that much ambition as you do Cat Wink

Message 31 of 35
Creditplz
Valued Contributor

Re: Score needed for chase and Citi bank

CC Smiley Surprised 9/10 of them are from before I joined the forums Smiley Sad I'd app thinking I had a shot... I now know I had absolutely not chance at all Smiley Sad
Message 32 of 35
taxi818
Super Contributor

Re: Score needed for chase and Citi bank


@Anonymous wrote:
Hello every one
Any help would be appreciate it
Here is my situation :
My Ex : is 685 and transunion is 695 and eqafax : 639
No baddies no late payment nothing
Aaa : 2 years and 2 months
Utiliz : 18%
Inquiries Experian 16 and 7 last 12 months
I have 2 capital one with limit of 1300$ and 2000$
And 3 Amex with limit of 1k , and 3k and 5k
I want apply for the chase cards but I'm not sure if I can get approve or not ?
My concern is so many inquiry
Any idea would be so helpfulIf

 your eq is only 639 there is something on there. otherwise your score would not be that low. even with inquiries and high usage.There is no way to have scores that low without negatives In any case without a double pull you should be ok with either if they only pull your Experian. i would say just wait for the pre qual. as others said the 5/24 rule with chase. But that does not really apply to co branded cards. citi is just citi and they are ball busters no matter which way you look at it. .,

Message 33 of 35
RonM21
Valued Contributor

Re: Score needed for chase and Citi bank

Looking at that list makes me wonder what else could be going on also for that score. Seems like it doesn't add up.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 34 of 35
ecxpa
Valued Contributor

Re: Score needed for chase and Citi bank


@Anonymous wrote:
I did actually tried chase web for pre approval
Get this message
Sorry we can't match you with any pre approval but you may like these cards
Citi bank also same thing

"Don't seek the treasure"........nothing on prequals........Citi is tough ......Chase MAY give you a toy limit

Message 35 of 35
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