Should I be cautious applying for the CFF?

Anonymous · ‎10-06-2020

4/24

<1% Utilization

~40k income

Instantly approved for CSP and CFU when I applied each time

12,900 total CL from Chase

Chase customer >2 years

Chase checking

I've been seeing a lot of people getting denied from Chase, and I have no prequalifications or preapprovals, although it seems their preapproval site is not up at this time. Any other time I would have already applied, but for some reason I'm too nervous to now. Am I being overly cautious?

Anonymous · ‎10-06-2020

Going just by the information you listed in your post, I would think that you would be fine to apply.

Can any us guarantee an approval?

We cannot but your profile looks good unless you have mortgage, auto debt, or other debt such that Chase does not want to extend more credit.

Anonymous · ‎10-06-2020

@Anonymous wrote:
Going just by the information you listed in your post, I would think that you would be fine to apply.
Can any us guarantee an approval?
We cannot but your profile looks good unless you have mortgage, auto debt, or other debt such that Chase does not want to extend more credit.

No debt. I feel like I qualify for the card, but I'm just worried Chase is being strict with applications atm

Anonymous · ‎10-06-2020

Underwriting standards have absolutely become more strict since the start of Covid era.

Issuers are also absolutely paying less for advertising.

However, applications are still being approved as well.

Approvals have not stopped but have certainly slowed down.

I would caution against a U.S. Bank approval but Chase application sounds reasonable.

AllZero · ‎10-06-2020

Congratulations on your approval!

M_Smart007 · ‎10-06-2020

@AllZero wrote:
Congratulations on your approval!

?

M_Smart007 · ‎10-06-2020

@Anonymous wrote:
4/24
<1% Utilization
~40k income
Instantly approved for CSP and CFU when I applied each time
12,900 total CL from Chase
Chase customer >2 years
Chase checking

I've been seeing a lot of people getting denied from Chase, and I have no prequalifications or preapprovals, although it seems their preapproval site is not up at this time. Any other time I would have already applied, but for some reason I'm too nervous to now. Am I being overly cautious?

Looks like you had no problem getting the other Chase cards,

I guess it just depends what amount of TCL they are willing to trust you with?

One way to find out

AllZero · ‎10-06-2020

@M_Smart007 wrote:
@AllZero wrote:
Congratulations on your approval!
?

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/CFF-Approved-Trifecta-Complete/m-p/6154379

Remedios · ‎10-06-2020

Congrats.

Since OP has indicated approval, and started an approval thread, this one is closed for additional messages.