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Southwest Airlines Chase Card

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Regular Contributor

Re: Southwest Airlines Chase Card


@TXHORNS wrote:
Where can I go to get my Experian score? Credit Karma only does TU and Equifax

Those are vantagescore 3 scores. They are not FICO scores. They are for educational purposes mostly. You need your FICO scores. You can get a free Experian FICO 8 score with Discover’s scorecard. Free to sign up for. At least you’ll get a real FICO score from that. You can also go to credit check total and sign up for their $1 free 7 day trial and cancel via email right away to not pay $30 a month.



Starting Score: 600
Current Score: Exp = 703 Tran = 706 Equ = 710
Goal Score: 800


Take the myFICO Fitness Challenge
AAoA Exp = 12.2 Equ = 7.5 Tra = 7.4
Inquiry Exp = 1 Equ = 0 Tra = 2
Message 21 of 30
Valued Contributor

Re: Southwest Airlines Chase Card


@TXHORNS wrote:
Ok. Bummer. Given my stats currently. Is there another rewards card that I have good approval odds?

I don't mean to be mean, but you may have only had one late, but it was still a late in their eyes. And, they don't like lates - sometimes with Chase it can be hard enough to get an approval with a perfect history.

 

You have a CapOne card. Which one? Have you tried their prequals for a QS? It;s a 1.5% card, which isnt horrible..

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 22 of 30
New Member

Re: Southwest Airlines Chase Card

No I know the late payment hurts. I appreciate this forum. I have a Capone Platinum Mastercard and i’ve Had that for 5 plus years. What do you mean by QS?
Message 23 of 30
New Member

Re: Southwest Airlines Chase Card

So my actual FICO score could be higher than what CK has? How can I get my true FICO score?
Message 24 of 30
New Member

Re: Southwest Airlines Chase Card

Cause when i’ve Read the Southwest Airlines Chase Card it has said a typical low score is 674 and 608 is the bottom of the range. So I had been (prior to tonight being on this forum) hopeful that I could be approved for this card.
Message 25 of 30
New Member

Re: Southwest Airlines Chase Card

Ok I have another question. If I was to apply this week I would have about a 45% UR but if I want till next week I can pay off my cards in full but I don’t believe it will show up that they are paid until at the end of Feb so with that being said would chase be able to see the current balance on them and see they are paid off with a 0 Balance? Or would Chase not being able to see they have a zero balance till the end of Feb? Idk. I just thought i’d Ask...
Message 26 of 30
Established Contributor

Re: Southwest Airlines Chase Card

As has been pointed out in the previous pages numerous times, yes your actual score could be higher or lower than what you see on credit karma. The score you see there is meaningless. Others have suggested a few times to go to creditscorecard.com to get an actual fico credit score.

Pay off your balances and wait for them to report. You can see when they report on credit karma. No Chase won't be able to see that you paid off your balance instantly, only once it gets reported.
Message 27 of 30
Moderator

Re: Southwest Airlines Chase Card

Goto CCT(credit check total) and pay $1 for a 7 day trial membership and cancel before the membership and they will give your TRUE Fico 08 Scores for Exp/Eq and TU..  Hope this helps.

 

Or if you prefer to pay 60 you can get the scores from this site plus many more models of each score, but for the purpose of getting your basic 08 Ficos CCT for trial membership it the way to go.. Google will be your friend.

Message 28 of 30
Valued Contributor

Re: Southwest Airlines Chase Card

Chase would see it only after your lender reported it. So if they have already reported for January and they’re not a lender that reports mid-cycle or after a payment, then it wouldn't be updated until February.

If that’s the case, I’d advise to wait for the best possible results.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 29 of 30
Frequent Contributor

Re: Southwest Airlines Chase Card

You might be able to upgrade your Cap1 Platinum card to a QuickSilver (QS). <any people have had instant success at the following link - that includes me:

 

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade%C2%A0

 

It's still your old card - you keep the account history, and it still says "Platinum" on your statement. But you get the benefits of the QuickSilver.

 

If you're offered, make sure it's the no-fee QuickSilver, and not the $39 AF QS1.


Message 30 of 30
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